{"id":1614,"date":"2026-06-25T22:30:33","date_gmt":"2026-06-25T17:30:33","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=1614"},"modified":"2026-06-25T22:30:33","modified_gmt":"2026-06-25T17:30:33","slug":"kredit-riski","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=1614","title":{"rendered":"KREDIT RISKI"},"content":{"rendered":"\n<p><strong>Rustamov Maqsud <\/strong><strong>Suvonqulovich<\/strong><\/p>\n\n\n\n<p><em>iqtisodiyot fanlari doktori, professor<\/em><\/p>\n\n\n\n<p><em>bank ishi kafedrasi mudiri<\/em><\/p>\n\n\n\n<p><em>Toshkent davlat iqtisodiyot universiteti<\/em><\/p>\n\n\n\n<p><strong>N\u043erm\u0430t\u043ev Muslimb\u0435k N\u043e\u2019rb\u043e\u2019t\u0430 \u043e\u2019g\u2018li<\/strong><\/p>\n\n\n\n<p><em>moliya fakulteti MMT-72 guruh talabasi,<\/em><\/p>\n\n\n\n<p><em>Toshkent davlat iqtisodiyot universiteti<\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><a href=\"mailto:muslimbeknormatov2005@gmail.com\"><em>muslimbeknormatov2005@gmail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><strong><em>\u0410nn\u043et\u0430tsiy\u0430.<\/em><\/strong><em> Ushbu maqolada tijorat banklari faoliyatida kredit riskining mohiyati, tasnifi, yuzaga kelish sabablari hamda uni baholash usullari kompleks tarzda o\u2018rganilgan. Kredit riskining asosiy turlari ko\u2018rib chiqilib, unga ta\u2019sir etuvchi makroiqtisodiy va mikroiqtisodiy omillar tahlil qilingan. Amaliy qism sifatida to\u2018liq ehtimollik formulasi va Bayes formulasidan foydalanib, kreditning qaytarilmaslik ehtimoli miqdoriy jihatdan hisoblab ko\u2018rsatilgan \u2014 xususan, davlat tashkilotlari, banklar va yuridik shaxslar tomonidan kreditni qaytarmaslik ehtimollari aniqlang\u0430n. Kredit riskini o\u2018lchashda giring koeffitsiyentining roli va uning moliyaviy barqarorlikka ta\u2019siri yoritilgan. Bundan tashqari, kredit riskini tahlil qilishda moliyaviy hisobot ko\u2018rsatkichlari \u2014 rentabellik, likvidlik, moliyaviy liveridj va foizlar qoplamasi koeffitsiyentlari \u2014 asosiy vositalar sifatida ko\u2018rib chiqilgan. Maqola bank amaliyotida kredit riskini aniqlash, baholash va boshqarish tizimini takomillashtirishga xizmat qiladi.<\/em><em><\/em><\/p>\n\n\n\n<p><strong><em>Kalit so\u2018zlar<\/em><\/strong><strong><em>: <\/em><\/strong><em>moliyaviy risk,<\/em><em> <\/em><em>kredit riski, to\u2018liq ehtimollik formulasi, Bayes formulasi, giring koeffitsiyenti, foizlar qoplamasi, moliyaviy tahlil, likvidlik, tijorat banki.<\/em><em><\/em><\/p>\n\n\n\n<p><strong>\u041a\u0420\u0415\u0414\u0418\u0422\u041d\u042b\u0419 \u0420\u0418\u0421\u041a<\/strong><\/p>\n\n\n\n<p><strong>\u0420\u0443\u0441\u0442\u0430\u043c\u043e\u0432<\/strong><strong> \u041c\u0430\u043a\u0441\u0443\u0434<\/strong><strong> \u0421\u0443\u0432\u043e\u043d\u043a\u0443\u043b\u043e\u0432\u0438\u0447<\/strong><\/p>\n\n\n\n<p><em>\u0434.\u044d.\u043d., \u043f\u0440\u043e\u0444\u0435\u0441\u0441\u043e\u0440<\/em><\/p>\n\n\n\n<p><em>\u0437\u0430\u0432\u0435\u0434\u0443\u044e\u0449\u0438\u0439 \u043a\u0430\u0444\u0435\u0434\u0440\u043e\u0439 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0435 \u0434\u0435\u043b\u043e<\/em><\/p>\n\n\n\n<p><em>\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u043e\u0433\u043e \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430<\/em><\/p>\n\n\n\n<p><strong>\u041d\u043e\u0440\u043c\u0430\u0442\u043e\u0432 \u041c\u0443\u0441\u043b\u0438\u043c\u0431\u0435\u043a \u041d\u0443\u0440\u0431\u0443\u0442\u0430 \u0443\u0433\u043b\u0438<\/strong><\/p>\n\n\n\n<p><em>\u0441\u0442\u0443\u0434\u0435\u043d\u0442 \u0433\u0440\u0443\u043f\u043f\u044b \u041c\u041c\u0422-72<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u0444\u0430\u043a\u0443\u043b\u044c\u0442\u0435\u0442\u0430 \u00ab\u0424\u0438\u043d\u0430\u043d\u0441\u044b\u00bb<\/em><\/p>\n\n\n\n<p><em>\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u043e\u0433\u043e \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430<\/em><\/p>\n\n\n\n<p><em>E<\/em><em>&#8211;<\/em><em>mail<\/em><em>: <\/em><a href=\"mailto:muslimbeknormatov2005@gmail.com\"><em>muslimbeknormatov<\/em><em>2005@<\/em><em>gmail<\/em><em>.<\/em><em>com<\/em><\/a><em><u><\/u><\/em><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f<\/em><\/strong><em>. \u0412 \u0434\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435 \u0432\u0441\u0435\u0441\u0442\u043e\u0440\u043e\u043d\u043d\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u0443\u044e\u0442\u0441\u044f \u043f\u0440\u0438\u0440\u043e\u0434\u0430, \u043a\u043b\u0430\u0441\u0441\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u0438 \u043f\u0440\u0438\u0447\u0438\u043d\u044b \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430 \u0432 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432, \u0430 \u0442\u0430\u043a\u0436\u0435 \u043c\u0435\u0442\u043e\u0434\u044b \u0435\u0433\u043e \u043e\u0446\u0435\u043d\u043a\u0438. \u0420\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0432\u0438\u0434\u044b \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430 \u0438 \u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u0443\u044e\u0442\u0441\u044f \u043c\u0430\u043a\u0440\u043e\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0438 \u043c\u0438\u043a\u0440\u043e\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0444\u0430\u043a\u0442\u043e\u0440\u044b, \u0432\u043b\u0438\u044f\u044e\u0449\u0438\u0435 \u043d\u0430 \u043d\u0435\u0433\u043e. \u0412 \u043a\u0430\u0447\u0435\u0441\u0442\u0432\u0435 \u043f\u0440\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0447\u0430\u0441\u0442\u0438 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e \u0440\u0430\u0441\u0441\u0447\u0438\u0442\u044b\u0432\u0430\u0435\u0442\u0441\u044f \u0432\u0435\u0440\u043e\u044f\u0442\u043d\u043e\u0441\u0442\u044c \u043d\u0435\u0432\u043e\u0437\u0432\u0440\u0430\u0442\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0441 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435\u043c \u0444\u043e\u0440\u043c\u0443\u043b\u044b \u043f\u043e\u043b\u043d\u043e\u0439 \u0432\u0435\u0440\u043e\u044f\u0442\u043d\u043e\u0441\u0442\u0438 \u0438 \u0444\u043e\u0440\u043c\u0443\u043b\u044b \u0411\u0430\u0439\u0435\u0441\u0430 \u2013 \u0432 \u0447\u0430\u0441\u0442\u043d\u043e\u0441\u0442\u0438, \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u044f\u044e\u0442\u0441\u044f \u0432\u0435\u0440\u043e\u044f\u0442\u043d\u043e\u0441\u0442\u0438 \u043d\u0435\u0432\u043e\u0437\u0432\u0440\u0430\u0442\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0430 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u043c\u0438 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u044f\u043c\u0438, \u0431\u0430\u043d\u043a\u0430\u043c\u0438 \u0438 \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u043c\u0438 \u043b\u0438\u0446\u0430\u043c\u0438. \u041f\u043e\u0434\u0447\u0435\u0440\u043a\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u0440\u043e\u043b\u044c \u043a\u043b\u044e\u0447\u0435\u0432\u043e\u0433\u043e \u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442\u0430 \u0432 \u0438\u0437\u043c\u0435\u0440\u0435\u043d\u0438\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430 \u0438 \u0435\u0433\u043e \u0432\u043b\u0438\u044f\u043d\u0438\u0435 \u043d\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u043e\u0441\u0442\u044c. \u041a\u0440\u043e\u043c\u0435 \u0442\u043e\u0433\u043e, \u0432 \u043a\u0430\u0447\u0435\u0441\u0442\u0432\u0435 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0430\u043d\u0430\u043b\u0438\u0437\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430 \u0440\u0430\u0441\u0441\u043c\u0430\u0442\u0440\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u043e\u0442\u0447\u0435\u0442\u043d\u043e\u0441\u0442\u0438 \u2013 \u0440\u0435\u043d\u0442\u0430\u0431\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c, \u043b\u0438\u043a\u0432\u0438\u0434\u043d\u043e\u0441\u0442\u044c, \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0440\u044b\u0447\u0430\u0433 \u0438 \u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439. \u0421\u0442\u0430\u0442\u044c\u044f \u0441\u043b\u0443\u0436\u0438\u0442 \u0434\u043b\u044f \u0441\u043e\u0432\u0435\u0440\u0448\u0435\u043d\u0441\u0442\u0432\u043e\u0432\u0430\u043d\u0438\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0432\u044b\u044f\u0432\u043b\u0435\u043d\u0438\u044f, \u043e\u0446\u0435\u043d\u043a\u0438 \u0438 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c \u0440\u0438\u0441\u043a\u043e\u043c \u0432 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0439 \u043f\u0440\u0430\u043a\u0442\u0438\u043a\u0435.<\/em><\/p>\n\n\n\n<p><strong><em>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u043b\u043e\u0432\u0430:<\/em><\/strong><em> \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0440\u0438\u0441\u043a, \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u0440\u0438\u0441\u043a, \u0444\u043e\u0440\u043c\u0443\u043b\u0430 \u043f\u043e\u043b\u043d\u043e\u0439 \u0432\u0435\u0440\u043e\u044f\u0442\u043d\u043e\u0441\u0442\u0438, \u0444\u043e\u0440\u043c\u0443\u043b\u0430 \u0411\u0430\u0439\u0435\u0441\u0430, \u0432\u0437\u0432\u0435\u0448\u0435\u043d\u043d\u044b\u0439 \u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442, \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u0435 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439, \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0439 \u0430\u043d\u0430\u043b\u0438\u0437, \u043b\u0438\u043a\u0432\u0438\u0434\u043d\u043e\u0441\u0442\u044c, \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0439 \u0431\u0430\u043d\u043a.<\/em><\/p>\n\n\n\n<p><strong>CREDIT RISK<\/strong><\/p>\n\n\n\n<p><strong>Rustamov<\/strong><strong> <\/strong><strong>Maksud <\/strong><strong>Suvonqulovich<\/strong><\/p>\n\n\n\n<p><em>Prof., D.Sc. in Economics<\/em><\/p>\n\n\n\n<p><em>Head of the &laquo;Banking&raquo; Department<\/em><\/p>\n\n\n\n<p><em>Tashkent State University of Economics<\/em><\/p>\n\n\n\n<p><strong>Normatov Muslimbek Norbuta ugli<\/strong><\/p>\n\n\n\n<p><em>Student of group MMT-72,<\/em><\/p>\n\n\n\n<p><em>&nbsp;Faculty of Finance<\/em><\/p>\n\n\n\n<p><em>Tashkent State University of Economics<\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><a href=\"mailto:muslimbeknormatov2005@gmail.com\"><em>muslimbeknormatov2005@gmail.com<\/em><\/a><\/p>\n\n\n\n<p><strong><em>Abstract.<\/em><\/strong><em> This article comprehensively studies the nature, classification, causes of credit risk in the activities of commercial banks, and methods for its assessment. The main types of credit risk are considered, and the macroeconomic and microeconomic factors affecting it are analyzed. As a practical part, the probability of non-repayment of a loan is calculated quantitatively using the full probability formula and the Bayes formula &#8211; in particular, the probabilities of non-repayment of a loan by state organizations, banks and legal entities are determined. The role of the key coefficient in measuring credit risk and its impact on financial stability are highlighted. In addition, financial reporting indicators &#8211; profitability, liquidity, financial leverage and interest coverage ratios &#8211; are considered as the main tools in analyzing credit risk. The article serves to improve the system for identifying, assessing and managing credit risk in banking practice.<\/em><em><\/em><\/p>\n\n\n\n<p><strong><em>Key words:<\/em><\/strong><em> financial risk, credit risk, full probability formula, Bayes formula, weighted coefficient, interest coverage, financial analysis, liquidity, commercial bank.<\/em><\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/8.-Rustamov-Maqsud-Suvonqulovich-N\u043erm\u0430t\u043ev-Muslimb\u0435k-N\u043erb\u043et\u0430-\u043eg\u2018li-Kredit-riski.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 8. Rustamov Maqsud Suvonqulovich, N\u043erm\u0430t\u043ev Muslimb\u0435k N\u043e\u2019rb\u043e\u2019t\u0430 \u043e\u2019g\u2018li - Kredit riski.\"><\/object><a id=\"wp-block-file--media-b5b4b0aa-0873-47b2-92a8-a5f5a32ced9c\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/8.-Rustamov-Maqsud-Suvonqulovich-N\u043erm\u0430t\u043ev-Muslimb\u0435k-N\u043erb\u043et\u0430-\u043eg\u2018li-Kredit-riski.pdf\">8. Rustamov Maqsud Suvonqulovich, N\u043erm\u0430t\u043ev Muslimb\u0435k N\u043e\u2019rb\u043e\u2019t\u0430 \u043e\u2019g\u2018li &#8211; Kredit riski<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/8.-Rustamov-Maqsud-Suvonqulovich-N\u043erm\u0430t\u043ev-Muslimb\u0435k-N\u043erb\u043et\u0430-\u043eg\u2018li-Kredit-riski.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-b5b4b0aa-0873-47b2-92a8-a5f5a32ced9c\">Download<\/a><\/div>\n\n\n\n<p><strong>Foydalanilgan adabiyotlar<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Vahobov A.V., Mallaboyev N.M. \u201cPul, kredit va banklar\u201d-Toshkent: Sharq nashriyoti, 2020<\/li>\n\n\n\n<li><strong>Moliyaviy risklar nazariyasi: <\/strong>O`quv qo\u2018llanma \/ Sh.Q.Fozilchayev, N.G`.Xidirov; O`zbekiston Respublikasi Oliy va o`rta maxsus ta`lim vazirligi. \u2013 T.: \u201cIqtisod-Moliya\u201d, 2019. -240 b.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.imv.uz\/\">https:\/\/www.imv.uz\/<\/a> O`zbekiston Respublikasi iqtisodiyot va moliya vazirligi rasmiy sayti. (Muallif ishlanmasi)<\/li>\n\n\n\n<li>cbu.uz ma`lumotlari (Muallif ishlanmasi)<\/li>\n\n\n\n<li>\u201cKreditlar o\u2018sishining muammolari va istiqbollari\u201d, \u201cIqtisodiyot va innovatsion texnologiyalar\u201d ilmiy elektron jurnali. \u2116 6, noyabr-dekabr, 2021 yil, Rustamov M. S.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Rustamov Maqsud Suvonqulovich iqtisodiyot fanlari doktori, professor bank ishi kafedrasi mudiri Toshkent davlat iqtisodiyot universiteti N\u043erm\u0430t\u043ev Muslimb\u0435k N\u043e\u2019rb\u043e\u2019t\u0430 \u043e\u2019g\u2018li moliya fakulteti MMT-72 guruh talabasi, Toshkent davlat iqtisodiyot universiteti E-mail: muslimbeknormatov2005@gmail.com \u0410nn\u043et\u0430tsiy\u0430. Ushbu maqolada&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1614","post","type-post","status-publish","format-standard","hentry","category-bolimsiz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>KREDIT RISKI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fintech.tsue.uz\/?p=1614\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"KREDIT RISKI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"Rustamov Maqsud Suvonqulovich iqtisodiyot fanlari doktori, professor bank ishi kafedrasi mudiri Toshkent davlat iqtisodiyot universiteti N\u043erm\u0430t\u043ev Muslimb\u0435k N\u043e\u2019rb\u043e\u2019t\u0430 \u043e\u2019g\u2018li moliya fakulteti MMT-72 guruh talabasi, Toshkent davlat iqtisodiyot universiteti E-mail: muslimbeknormatov2005@gmail.com \u0410nn\u043et\u0430tsiy\u0430. Ushbu maqolada&#046;&#046;&#046;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fintech.tsue.uz\/?p=1614\" \/>\n<meta property=\"og:site_name\" content=\"\u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-25T17:30:33+00:00\" \/>\n<meta name=\"author\" content=\"fintex-admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"fintex-admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 daqiqa\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/?p=1614#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/?p=1614\"},\"author\":{\"name\":\"fintex-admin\",\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/#\\\/schema\\\/person\\\/23c74e51ed62b86e6d0bd0648490066b\"},\"headline\":\"KREDIT RISKI\",\"datePublished\":\"2026-06-25T17:30:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/?p=1614\"},\"wordCount\":656,\"commentCount\":0,\"inLanguage\":\"uz-UZ\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/fintech.tsue.uz\\\/?p=1614#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/?p=1614\",\"url\":\"https:\\\/\\\/fintech.tsue.uz\\\/?p=1614\",\"name\":\"KREDIT RISKI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/#website\"},\"datePublished\":\"2026-06-25T17:30:33+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/#\\\/schema\\\/person\\\/23c74e51ed62b86e6d0bd0648490066b\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/?p=1614#breadcrumb\"},\"inLanguage\":\"uz-UZ\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/fintech.tsue.uz\\\/?p=1614\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/?p=1614#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/fintech.tsue.uz\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"KREDIT RISKI\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/#website\",\"url\":\"https:\\\/\\\/fintech.tsue.uz\\\/\",\"name\":\"\u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\",\"description\":\"Toshkent davlat iqtisodiyot universiteti\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/fintech.tsue.uz\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"uz-UZ\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/fintech.tsue.uz\\\/#\\\/schema\\\/person\\\/23c74e51ed62b86e6d0bd0648490066b\",\"name\":\"fintex-admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"uz-UZ\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g\",\"caption\":\"fintex-admin\"},\"sameAs\":[\"http:\\\/\\\/fintech.tfi.uz\"],\"url\":\"https:\\\/\\\/fintech.tsue.uz\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"KREDIT RISKI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fintech.tsue.uz\/?p=1614","og_locale":"uz_UZ","og_type":"article","og_title":"KREDIT RISKI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali","og_description":"Rustamov Maqsud Suvonqulovich iqtisodiyot fanlari doktori, professor bank ishi kafedrasi mudiri Toshkent davlat iqtisodiyot universiteti N\u043erm\u0430t\u043ev Muslimb\u0435k N\u043e\u2019rb\u043e\u2019t\u0430 \u043e\u2019g\u2018li moliya fakulteti MMT-72 guruh talabasi, Toshkent davlat iqtisodiyot universiteti E-mail: muslimbeknormatov2005@gmail.com \u0410nn\u043et\u0430tsiy\u0430. Ushbu maqolada&#46;&#46;&#46;","og_url":"https:\/\/fintech.tsue.uz\/?p=1614","og_site_name":"\u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali","article_published_time":"2026-06-25T17:30:33+00:00","author":"fintex-admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"fintex-admin","Est. reading time":"3 daqiqa"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fintech.tsue.uz\/?p=1614#article","isPartOf":{"@id":"https:\/\/fintech.tsue.uz\/?p=1614"},"author":{"name":"fintex-admin","@id":"https:\/\/fintech.tsue.uz\/#\/schema\/person\/23c74e51ed62b86e6d0bd0648490066b"},"headline":"KREDIT RISKI","datePublished":"2026-06-25T17:30:33+00:00","mainEntityOfPage":{"@id":"https:\/\/fintech.tsue.uz\/?p=1614"},"wordCount":656,"commentCount":0,"inLanguage":"uz-UZ","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/fintech.tsue.uz\/?p=1614#respond"]}]},{"@type":"WebPage","@id":"https:\/\/fintech.tsue.uz\/?p=1614","url":"https:\/\/fintech.tsue.uz\/?p=1614","name":"KREDIT RISKI - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali","isPartOf":{"@id":"https:\/\/fintech.tsue.uz\/#website"},"datePublished":"2026-06-25T17:30:33+00:00","author":{"@id":"https:\/\/fintech.tsue.uz\/#\/schema\/person\/23c74e51ed62b86e6d0bd0648490066b"},"breadcrumb":{"@id":"https:\/\/fintech.tsue.uz\/?p=1614#breadcrumb"},"inLanguage":"uz-UZ","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fintech.tsue.uz\/?p=1614"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/fintech.tsue.uz\/?p=1614#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/fintech.tsue.uz\/"},{"@type":"ListItem","position":2,"name":"KREDIT RISKI"}]},{"@type":"WebSite","@id":"https:\/\/fintech.tsue.uz\/#website","url":"https:\/\/fintech.tsue.uz\/","name":"\u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali","description":"Toshkent davlat iqtisodiyot universiteti","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fintech.tsue.uz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"uz-UZ"},{"@type":"Person","@id":"https:\/\/fintech.tsue.uz\/#\/schema\/person\/23c74e51ed62b86e6d0bd0648490066b","name":"fintex-admin","image":{"@type":"ImageObject","inLanguage":"uz-UZ","@id":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6b71c6402c74a04f56841f06d0b413c68efbbcbc10d903ef02a5db2c123944a4?s=96&d=mm&r=g","caption":"fintex-admin"},"sameAs":["http:\/\/fintech.tfi.uz"],"url":"https:\/\/fintech.tsue.uz\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/1614","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1614"}],"version-history":[{"count":1,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/1614\/revisions"}],"predecessor-version":[{"id":1616,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/1614\/revisions\/1616"}],"wp:attachment":[{"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1614"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1614"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fintech.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1614"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}