Improvement of Bank Credits through the Point System "Model of Loaning Process"

Authors

  • Norov Akmal Ruzimamatovich Associate Professor of the Department of “Banking and Investment” Tashkent State University of Economics
  • Toymukhamedov Ibrokhim Rikhsiboyevich Professor of the Department of “Banking and Investments” Tashkent State University of Economics
  • Nurmuxammedov Abdijabbar Yunusovich Senior Lecturer of the Department of “Banking and Investment” Tashkent State University of Economics
  • Bazarova Nigora Ravshanovna Senior Lecturer of the Department of “Banking and Investment” Tashkent State University of Economics
  • Yuldasheva Sevara Shuxrat qizi Assistant of the Department of “Banking and Investment” Tashkent State University of Economics

DOI:

https://doi.org/10.51699/ajdes.v10i.333

Keywords:

Lending practice, evaluation criteria, coefficient method, credit risk, credit risk reduction, prospective analysis, financial indicators, non-financial indicators, transformation model, scoring system

Abstract

The article describes a new model of compliance with the terms of credit by commercial banks and its evaluation. In this regard, the advantages of the "system of transformation of lending practices" scoring system, developed by combining national and foreign experience, are highlighted.

References

Abdullaeva Sh.Z. Banking. Textbook.-T .: Economics and Finance. 2017. 732 b.

Abdullaeva Sh.Z. The practice of applying scoring in lending. Scientific electronic journal "International Finance and Accounting". 2017. №1, 11 b.

Azizov U.O. and others. Banking.-T .: Science and Technology, 2016. 640 p.

Alimardonov I.M. Improving the practice of assessing the creditworthiness of small businesses. Scientific electronic journal "International Finance and Accounting". 2017. №2, 6 b.

Endovitskiy D. A., Baxtin K. V., Kovtun D. V. Analysis of creditworthiness of organizations and groups of companies: uchebnoe posobie.- M. : KNORUS, 2016. 376 p.

Endovitskiy D.A., Bocharova I.V. Analysis and assessment of creditworthiness of the borrower. Uchebno-prakticheskoe posobie. M. : KNORUS. 2005. - 272 p.

Liferenko G.N. Finansovyy analiz predriyatiya: Ucheb.posobie.-M .: Ekzamen, 2005. p. 160

Mavlanov N.N. Assess the creditworthiness of the enterprise and improve its comprehensive analysis. Scientific electronic journal "International Finance and Accounting". 2016. №3, 9 b.

Mavlanov N.N. Sravnitelnaya otsenka sovremennyx concept of analysis of creditworthiness: scientific approaches and practice. Scientific electronic journal "International Finance and Accounting". 2018. №1, 14 b.

Mamatov B.Sh., Qulliev I.Ya., Pulatova M.B. Improving the practice of assessing the creditworthiness of customers in commercial banks of the Republic of Uzbekistan. Monograph.-T .: Extremum-press, 2016. 112 p.

Naumchenkova Yu. V. Assessment of creditworthiness of the borrower. Theory and practice of modern science. 2016. № 5. p.5

Raximov M.Yu. Analysis of the financial condition of economic entities. Textbook.-T .: Economics and Finance, 2015. 392 p.

Downloads

Published

2021-10-09

How to Cite

Ruzimamatovich, N. A. ., Rikhsiboyevich, T. I. ., Yunusovich, N. A. ., Ravshanovna, B. N. ., & qizi, Y. S. S. . (2021). Improvement of Bank Credits through the Point System "Model of Loaning Process". Academic Journal of Digital Economics and Stability, 10, 1–6. https://doi.org/10.51699/ajdes.v10i.333

Issue

Vol. 10 (2021): OCTOBER

Section

Articles

License

Copyright (c) 2021 Norov Akmal Ruzimamatovich, Toymukhamedov Ibrokhim Rikhsiboyevich, Nurmuxammedov Abdijabbar Yunusovich, Bazarova Nigora Ravshanovna, Yuldasheva Sevara Shuxrat qizi

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.