<mods:mods version="3.3" xsi:schemaLocation="http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-3.xsd" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><mods:titleInfo><mods:title>TIJORAT BANKLARIDA KREDIT RISKINI BOSHQARISH TIZIMINI TAKOMILLASHTIRISH</mods:title></mods:titleInfo><mods:name type="personal"><mods:namePart type="given">Rasul</mods:namePart><mods:namePart type="family">Bekmurzayev</mods:namePart><mods:role><mods:roleTerm type="text">author</mods:roleTerm></mods:role></mods:name><mods:abstract>&lt;p&gt;&lt;em&gt;Mazkur tezisda tijorat banklarida kredit riskini boshqarish tizimining ahamiyati, mavjud muammolari va uni takomillashtirish yo‘nalishlari tahlil qilinadi. Tadqiqot davomida kredit portfeli sifati, risklarni baholash usullari hamda zamonaviy risk-menejment vositalarining qo‘llanishi o‘rganildi. Natijalar shuni ko‘rsatdiki, raqamli texnologiyalar va kompleks monitoring tizimlarini joriy etish kredit risklarini sezilarli darajada kamaytiradi. Maqolada tijorat banklari uchun amaliy tavsiyalar ishlab chiqilgan.&lt;/em&gt;&lt;/p&gt;</mods:abstract><mods:originInfo><mods:dateIssued encoding="iso8601">2026-02-01</mods:dateIssued></mods:originInfo><mods:genre>Article</mods:genre></mods:mods>