CREDIT RISK MANAGEMENT IN COMMERCIAL BANKS

Abstract

This article provides an in-depth analysis of the theoretical and practical aspects of credit risk management in commercial banks. Credit risks are among the most important and complex financial threats, and their effective management is crucial for ensuring the stability and reliability of the banking system. The study examines the nature of credit risk, its types, mechanisms for assessment and management, international experience, as well as approaches applied in the banking system of Uzbekistan. Additionally, scientific conclusions and practical recommendations are developed for improving the quality of credit portfolios, reducing the share of non-performing loans, and minimizing risks.

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DOI

10.5281/zenodo.18560022

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