PROBLEM LOANS IN COMMERCIAL BANKS AND THE IMPORTANCE OF CREDIT POLICY IN THEIR ELIMINATION
Article Sidebar
Main Article Content
Abstract
The thesis analyzes the problem loans in commercial banks and the role of credit policy in their elimination on a scientific basis. The thesis emphasizes credit policy as a decisive factor in the effective allocation of bank resources, risk assessment and prevention of the occurrence of problem loans. Based on the experiences of the USA, Europe, Japan, Germany, Switzerland and Singapore, the impact of the combination of credit policy with monetary policy on the inflation rate, economic stability and the value of the national currency is substantiated. The intrinsic relationship between deposit policy and credit policy is also shown, and its importance in ensuring bank liquidity and reducing problem loans is revealed.
Article Details
Section
This work is licensed under a Creative Commons Attribution 4.0 International License.
How to Cite
References
Allen, F., & Gale, D. (2004). Financial Intermediaries and Markets. Econometrica, 72(4), 1023–1061.
2. Berger, A. N., & Udell, G. F. (2004). The Institutional Memory Hypothesis and the Procyclicality of Bank Lending Behavior. Journal of Financial Intermediation, 13(4), 458–495.
3. Borio, C., Gambacorta, L., & Hofmann, B. (2017). The Influence of Monetary Policy on Bank Profitability. International Finance, 20(1), 48–63.
4. Claessens, S., & Kose, M. A. (2018). Frontiers of Macroeconomic Research on Financial Crises. Journal of International Economics, 113, 153–170.
5. European Central Bank. (2023). Monetary Policy Instruments and Procedures of the Eurosystem. Frankfurt am Main: ECB Publications.
6. International Monetary Fund (IMF). (2022). Global Financial Stability Report: Navigating the HighInflation Environment. Washington, D.C.: IMF.
7. Basel Committee on Banking Supervision. (2019). Basel III: Finalising Post-Crisis Reforms. Bank for International Settlements, Basel.
8. Mishkin, F. S. (2019). The Economics of Money, Banking, and Financial Markets (12th ed.). Pearson
9. Saunders, A., & Cornett, M. M. (2020). Financial Institutions Management: A Risk Management Approach (10th ed.). McGraw-Hill Education.
10.Bank for International Settlements (BIS). (2023). Quarterly Review: International Banking and Financial Market Developments. Basel: BIS.
11.World Bank. (2022). Global Economic Prospects. Washington, D.C.: World Bank Publications.
12.Central Bank of Uzbekistan (CBU). (2024). Monetary Policy Review. Tashkent: CBU. Retrieved from https://cbu.uz/
13.Bank of Japan (BoJ). (2023). Monetary Policy Measures and Economic Outlook. Tokyo: BoJ Publications.
14.Swiss National Bank (SNB). (2023). Financial Stability Report. Zurich: SNB.
15.Monetary Authority of Singapore (MAS). (2023). Financial Stability Review. Singapore: MAS.
16.KfW Bankengruppe. (2022). Promoting Sustainable Development through Targeted Lending. Frankfurt am Main: KfW Research.
17.O‘rmonjonov Azizbek Muhammadjon o‘g‘li. (2025). INKLYUZIV TA’LIMNING MOHIYATI, MAQSADI VA RIVOJLANISH TENDENSIYALARI. (2025). Kelajak o’qituvchisi - Kelajak Bunyodkori, 1(2), 701-710.18.Tursunov Ramziddin Abdixalil-o’g’li. (2025). JAMIYAT HAYOTIDA IJTIMOIY ONG VA MA’NAVIYAT UYG‘UNLIGI. TA’LIM VA TARAQQIYOT, 4(4), 324-330.
18.Tursunov Ramziddin Abdixalil-o’g’li. (2025). JAMIYAT HAYOTIDA IJTIMOIY ONG VA MA’NAVIYAT UYG‘UNLIGI. TA’LIM VA TARAQQIYOT, 4(4), 324-33