ТИЖОРАТ БАНКЛАРИДАГИ КРЕДИТ ҚАРЗДОРЛИГИ СИФАТИНИНГ ПАСАЙИШИ ОМИЛЛАРИ ВА УНИ БОШҚАРИШДАГИ ҚИЙИНЧИЛИКЛАР

The scientific article is devoted to the main analysis of the influence of commercial banks on the external and internal environment of the country, which leads to a decrease in the quality of credit borrowing and deterioration of its management processes. The relevance of the study of this topic is due to the deterioration of the solvency of debtors, which in the post-pandemic period affected the quality of the loan portfolio and led to an increase in the number of overdue loans. At the same time, the article focuses on the theoretical issues of the organization of the credit risk management process. The trend of development of the banking system of the Republic of Uzbekistan is analyzed. In the commercial banks of our country, the main factors (positive and negative) that require appropriate attention in the process of managing the loan portfolio, affecting the quality of borrowing, are highlighted.