THEORIES OF NONPERFORMING LOANS ACCUMULATION FACTORS

Rustamov Jonibek Ravshanbek ugli

An assistant at British Management

university in Tashkent

E-mail: paradise.enough.me@gmail.com

ORCID: 0009-0006-6361-5987

Abstract. This article examines theories that explain the reasons for the accumulation of problem loans (NP) in the financial sector. Three well-known theories are considered – the theory of moral hazard, the theory of information asymmetry and the theory of consumer credit. The study provides insight into the multifaceted drivers of NPL accumulation and highlights the importance of understanding these theories for effective risk management and financial stability.

Keywords: problem loans, moral hazard theory, information asymmetry theory, consumer lending theory, financial literacy, financial stability.

MUAMMOLI KREDITLAR SHAKLLANISH OMILLARINING NAZARIYALARI

Rustamov Jonibek Ravshanbek o’g’li

 assistent

Toshkentdagi Britaniya menejment universiteti

E-mail: paradise.enough.me@gmail.com

ORCID: 0009-0006-6361-5987

Annotatsiya. Ushbu maqolada moliyaviy sektorda muammoli kreditlar (NP) to’planishi sabablarini tushuntiruvchi nazariyalar ko’rib chiqilgan. Uchta mashhur nazariy, yani axloqiy risk nazariyasi, axborot assimetriyasi nazariyasi va iste’mol krediti nazariyasi tahlil etilgan.  Tadqiqotda NPL to’planishining ko’p qirrali omillari haqida tushuncha berilgan, samarali risklarni boshqarish va moliyaviy barqarorlik uchun ushbu nazariyalarni tushunish muhimligi ta’kidlangan.

Kalit so’zlar: muammoli kreditlar, axloqiy risk nazariyasi, axborot assimetriyasi nazariyasi, iste’mol krediti nazariyasi, moliyaviy savodxonlik, moliyaviy barqarorlik.

ТЕОРИЯ ФАКТОРОВ НАКОПЛЕНИЯ

ПРОБЛЕМНЫХ КРЕДИТОВ

Рустамов Жонибек Равшанбек оглы

 ассистент

Британский университет

 менеджмента в Ташкенте

E-mail: paradise.enough.me@gmail.com

ORCID: 0009-0006-6361-5987

Аннотация. В данной статье исследуются теории, объясняющие причины накопления проблемных кредитов (ПК) в финансовой сфере. Рассмотрены три известные теории – теория морального риска, теория информационной асимметрии и теория потребительского кредита. Исследование дает представление о многогранных факторах накопления проблемных кредитов и подчеркивает важность понимания этих теорий для эффективного управления рисками и финансовой стабильности.

Ключевые слова: проблемные кредиты, теория морального риска, теория информационной асимметрии, теория потребительского кредитования, финансовая грамотность, финансовая устойчивость.

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