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ANALYSIS OF LENDING PRACTICES IN RISK ASSESSMENT IN COMMERCIAL BANKS OF UZBEKISTAN
Kudaybergenova, Guzal, Кудайбергенова, Гузал, Kudaybergenova, Guzal
Аннотация
This article analyzes the features of lending practices in assessing risks in commercial banks of Uzbekistan. The study examines the quality of the loan portfolio, the level of non-performing loans (NPLs), and the effectiveness of scoring and monitoring mechanisms used in credit risk assessment. The findings substantiate the need to improve risk assessment and management systems in lending processes, reduce the share of NPLs, and strengthen the financial stability of banks
commercial bankslending practicescredit risknon-performing loans (NPLs)loan portfoliorisk assessmentscoring systemfinancial stabilityкоммерческие банкикредитная практика
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