ЎЗБЕКИСТОН БАНК ТИЗИМИДА АКТИВЛАР СИФАТИНИ МУСТАҚИЛ БАҲОЛАШ (AQR) МАРКАЗИНИ ТАШКИЛ ЭТИШ ИМКОНИЯТЛАРИ
DOI:
https://doi.org/10.65164/kxf91n47Keywords:
AQR, активлар сифати, NPL, МҲХС 9, ECL, ЕМБ, ХВФ FSAP, банк назорати, Ўзбекистон банк тизими, Asia Alliance Bank, Алоқабанк, Микрокредитбанк, пруденциал тартибга солиш.Abstract
Ушбу илмий мақолада Ўзбекистон тижорат банклари Asia Alliance Bank,
Алоқабанк ва Микрокредитбанкнинг 2020–2025 йиллардаги статистик маълумотлари асосида
банк активлари сифатини мустақил баҳолаш (AQR - Asset Quality Review) марказини ташкил
этишнинг зарурати, концептуал модели ва амалий йўл харитаси тадқиқ этилади. Ушбу мақолада
ривожланган ва ривожланаётган давлатлар банк тизимида AQR тажрибаси таҳлил этилади.
ХВФнинг 2023 йил бўйича FSAP ҳисоботидаги хулосасида «targeted AQR is warranted» иборасини
мақсадли ташкил этишга халқаро асос сифатида кўрсатилади. Ўзбекистон Марказий банки
тасарруфида уч босқичли AQR Маркази (Pilot 2025–2026 йиллар, Кенгайтириш 2027–2028
йиллар, Тизимлаштириш 2029 йил) концептуал модели таклиф этилади.
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