Innovation science and technologiy Volume 1 Issue 12 (2025)
THE LENDING SYSTEM IN COMMERCIAL BANKS AND THE CAUSES OF NON-PERFORMING LOANS
Kholiyorova, Shokhista, Barnoqulova, Marjona
Abstract
The rapid growth of the country's economy is ensured by the mobilization of all available opportunities andthe consistent continuation of the strategy of reforms that have paid off. In particular, in recent years, as a result ofthe implementation of consistent and targeted measures aimed at further strengthening the capitalization, liquidity andresource base of banks, as well as further increasing their investment activity, the weight of banks' assets has beenincreasing year by year. Due to the increase in the volume of loans granted by banks of our republic to legal entities andindividuals, and the fact that bank loans constitute the main part of bank assets, the presence of problem loans in theloan portfolio of banks is becoming noticeable. It has a negative impact on ensuring the stability of the country's bankingsystem, that is, the circulation of bank funds, and the timely fulfillment of bank obligations to its clients. Losses fromproblem loans are not only reflected in losses directly related to the return of loans and non-payment of interest
consumer credit, credit history, solvency, lending system
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