YIRIK DAVLAT ULUSHIDAGI KORXONALARGA AJRATILGAN KREDITLARNI QAYTARISHGA TA'SIR ETUVCHI OMILLARNI BAHOLASH
DOI:
https://doi.org/10.5281/Keywords:
davlat ulushidagi korxonalar, tijorat banklari, kredit riski, kreditlarning qaytarilishi, DSCR, panel regressiya, kredit monitoringi.Abstract
Mazkur tezisda O‘zbekiston Respublikasida faoliyat yuritayotgan yirik davlat ulushidagi korxonalarga ajratilgan kreditlarning qaytarilishiga ta’sir etuvchi moliyaviy va iqtisodiy omillar tahlil qilingan. Tadqiqotda 2020–2025-yillarda faoliyat yuritgan “O‘zkimyosanoat” AJ, “Uzbekneftegaz” AJ, “Hududiy elektr tarmoqlari” AJ hamda “O‘zbekiston temir yo‘llari” AJning moliyaviy ko‘rsatkichlari asosida panel ekonometrik usullar qo‘llanilgan. Tadqiqot natijalari kreditlarni qaytarish darajasiga Debt Service Coverage Ratio (DSCR), operatsion pul oqimi va aktivlar rentabelligining ijobiy, qarz yuklamasining esa salbiy ta’sir ko‘rsatishini aniqladi. Olingan natijalar asosida tijorat banklarida kredit risklarini boshqarish tizimini takomillashtirish bo‘yicha ilmiy-amaliy tavsiyalar ishlab chiqildi.
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