Improvement of the Assets of Commercial Banks
Keywords:
banking services, quality of banking services, bank assets, asset quality, bad loans, credit scoring system
Abstract
The article examines the improvement of the quality of assets of commercial banks and the factors influencing it on the basis of theoretical and practical data. Also, based on the study of foreign experience, it is argued that the increase in asset quality in banks will directly improve the quality of credit services provided by banks, reduce problem loans and the use of credit scoring system. A number of specific aspects of the use of credit scoring system in improving the quality of assets of commercial banks have been studied in detail on the basis of theoretical and practical data, scientific proposals and practical recommendations have been developed on the basis of author's approaches.
References
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10. Rakhimov, Akmal (2021) "Issues of increasing customers satisfactiongrade with banking services", International Finance and Accounting: Vol. 2021: Iss.2, Article 15. Available at: https://uzjournals.edu.uz/interfinance/vol2021/iss2/15
11. Federico B., Daniele P., Alex S./ Systematic risk and banks leverage: Therole of asset quality./ Finance Research Letters/ Available online 23 February 2018.https://www.sciencedirect.com/science/article/pii/S1042443116301871
12. Regulation of the Central Bank of the Republic of Uzbekistan No. 2229 "On requirements to the management of banking risks of commercial banks". May 25, 2011.
13. Rahmatov H.O. Issues of increasing the efficiency of commercial bank assets in the context of economic diversification. Abstract of the dissertation for the degree of Doctor of Economics. - Tashkent: BMA, 2020. - B. 32.
14. Prepared by the author on the basis of the official website of the Central Bank of the Republic of Uzbekistan.https://cbu.uz/oz/statistics/bankstats/
15. Saksonova S. /Approaches to Improving Asset Structure Management inCommercial Banks./Procedia - Social and Behavioral Sciences. № 99, (2013) Pages877 – 885. https://www.sciencedirect.com/science/article/pii/S1877042813040056
2. Address of the President of the Republic of Uzbekistan Sh. Mirziyoyev to the Oliy Majlis. - T .: “Uzbekistan” NMIU, 2018. - 80 p.
3. Усоскин В.М. Современний коммерческий банк. – Москва: Vazar-Fyerro, 1994. – С. 218-276.
4. Lavrushina O.I. Banking. - Moscow: FiS, 2005 .--S. 101-102.
5. EdvinDj. DolanиDr. Dengi, Banking and Monetary Policy. - SpB .: “St. Petersburg Orchestra”, 1994. - S. 90-93. 6. Barltrop K. i MakNoton D. Banking Institutions in Emerging Markets.-World Bank, Washington, 1993.-p. 53-54.
6. Lavrushin O. Management of the activity of a commercial bank. - M.: YURIST ', 2003 - p. 228
7. Berdiyarov B.T. Profitability of active operations of commercial banks. Abstract of the dissertation for the degree of Candidate of Economic Sciences. - Tashkent: BMA, 2002. - 19 p.
8. Rozukulov U. U. Analysis of the reliability of commercial banks and ways
9. strengthening their resilience. Abstract for the degree of candidate of economic sciences. - Tashkent: BFA, 2002 .--21p.
10. Rakhimov, Akmal (2021) "Issues of increasing customers satisfactiongrade with banking services", International Finance and Accounting: Vol. 2021: Iss.2, Article 15. Available at: https://uzjournals.edu.uz/interfinance/vol2021/iss2/15
11. Federico B., Daniele P., Alex S./ Systematic risk and banks leverage: Therole of asset quality./ Finance Research Letters/ Available online 23 February 2018.https://www.sciencedirect.com/science/article/pii/S1042443116301871
12. Regulation of the Central Bank of the Republic of Uzbekistan No. 2229 "On requirements to the management of banking risks of commercial banks". May 25, 2011.
13. Rahmatov H.O. Issues of increasing the efficiency of commercial bank assets in the context of economic diversification. Abstract of the dissertation for the degree of Doctor of Economics. - Tashkent: BMA, 2020. - B. 32.
14. Prepared by the author on the basis of the official website of the Central Bank of the Republic of Uzbekistan.https://cbu.uz/oz/statistics/bankstats/
15. Saksonova S. /Approaches to Improving Asset Structure Management inCommercial Banks./Procedia - Social and Behavioral Sciences. № 99, (2013) Pages877 – 885. https://www.sciencedirect.com/science/article/pii/S1877042813040056
Published
2021-11-11
How to Cite
Ruzimamatovich, N. A., Nazarovna, N. M., Abutalipovna, A. S., Tulkinovna, B. N., & Mo’ysino’g’li, A. H. (2021). Improvement of the Assets of Commercial Banks. International Journal on Economics, Finance and Sustainable Development, 3(11), 26-34. https://doi.org/10.31149/ijefsd.v3i11.2358
Section
Articles
