TIJORAT BANKLARIDA MUAMMOLI KREDITLARNI PREVENTIV BOSHQARISH MEXANIZMLARINI TAKOMILLASHTIRISH

Jasur Nashvanov

doi:10.68549/bd9mzm57

Authors

Jasur Nashvanov Toshkent davlat iqtisodiyot universiteti mustaqil izlanuvchisi Author

DOI:

https://doi.org/10.68549/bd9mzm57

Keywords:

tijorat banklari, muammoli kreditlar, NPL, kredit riski, erta ogohlantirish tizimi, Pre-collection, Soft Collection, raqamli monitoring, W-BASE, Hard-Action, qarzdorlarni segmentlashtirish, kreditlarni undirish.

Abstract

Mazkur maqolada tijorat banklarida muammoli kreditlarni boshqarishning an’anaviy reaktiv modelidan kredit risklarini erta aniqlash, qarz oluvchilarni segmentlashtirish va raqamli monitoringga asoslangan preventiv hamda proaktiv boshqaruv modeliga o‘tishning ilmiy-uslubiy va amaliy jihatlari tadqiq etilgan. O‘zbekiston bank tizimi va AT «Xalq banki» kredit portfeliga oid statistik hamda operatsion ma’lumotlar asosida jismoniy shaxslar kreditlarini to‘lov kechikishi muddati va risk darajasi bo‘yicha differensial segmentlashtirish, Pre-collection, Auto-to‘lov, Soft Collection, Kassir-Chakana va Field Collection bosqichlarini integratsiyalash, shuningdek, W-BASE, CRM, Field Mobile, Call&Action va Hard-Action axborot tizimlarini yagona raqamli boshqaruv muhitida birlashtirish imkoniyatlari ko‘rib chiqilgan. Natijalar kredit to‘lovi muddati yetib kelishidan oldin boshlanadigan preventiv muloqot muammoli qarzdorlik chuqurlashuvi xavfini kamaytirishga xizmat qilishi mumkinligini ko‘rsatadi. Bankning amaliy ma’lumotlariga ko‘ra, W-BASE tizimidan foydalanish portfel ma’lumotlarini avtomatlashtirilgan qayta ishlash vaqtini 5 soatdan 6–7 daqiqagacha qisqartirgan. Sud-huquq va majburiy ijro jarayonlarini Hard-Action tizimi orqali markazlashgan tarzda kuzatish hamda bank, Savdo-sanoat palatasi (SSP), sud organlari va Majburiy ijro byurosi (MIB) o‘rtasida elektron axborot almashinuvini takomillashtirish bo‘yicha takliflar ishlab chiqilgan.

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