СОВЕРШЕНСТВОВАНИЕ КРЕДИТНОГО МОНИТОРИНГА И УПРАВЛЕНИЯ ЗАДОЛЖЕННОСТЬЮ В БАНКАХ

The article examined modern approaches to improving credit monitoring and debt management in commercial banks. It considered the main factors behind the deterioration of loan portfolio quality, methods for the early detection of credit risks, digital monitoring tools and the mechanisms of interaction between banks and borrowers experiencing financial difficulties. Based on statistical data of the Central Bank of the Republic of Uzbekistan, the dynamics of the loan portfolio and problem loans were analysed. As of 1 July 2026, the volume of loans in the banking system amounted to 642.8 trillion soums, while problem loans reached 22.9 trillion soums, or 3.6% of the loan portfolio [14]. An integrated debt management model was proposed that combined the assessment of borrower solvency, an early warning system, debtor segmentation, restructuring and control over collection results. The model allowed banks to turn work with problem debt into a regular and well-grounded management cycle.

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