{"id":1699,"date":"2026-06-25T22:54:31","date_gmt":"2026-06-25T17:54:31","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=1699"},"modified":"2026-06-25T22:54:31","modified_gmt":"2026-06-25T17:54:31","slug":"bank-faoliyatida-risklarning-turlari-ularni-samarali-boshqarish","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=1699","title":{"rendered":"BANK FAOLIYATIDA RISKLARNING TURLARI, ULARNI SAMARALI BOSHQARISH"},"content":{"rendered":"\n<p><strong>Ishniyazov Otabek Baxodirovich<\/strong><strong><\/strong><\/p>\n\n\n\n<p><em>\u201cBank hisobi va auditi\u201d kafedrasi<\/em><\/p>\n\n\n\n<p><em>mustaqil izlanuvchisi (PhD)<\/em><em><\/em><\/p>\n\n\n\n<p><em>Toshkent davlat iqtisodiyot universiteti<\/em><\/p>\n\n\n\n<p><em>&nbsp;E-mail:<\/em><em> <\/em><a href=\"mailto:otabek_144@mail.com\"><em>otabek_144<\/em><em>@mail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>ORCID:<\/em> <em>0009-0005-2536-7807<\/em><\/p>\n\n\n\n<p><strong><em>Annotatsiya. <\/em><\/strong><em>Maqolada<\/em><em> tijorat banklari faoilyati davomida yuzaga kelishi mumkin bo\u2019lgan risklar, ularni boshqarish, minimallashtirish yondashuvlari tahlil etilgan. Muallif tomonidan risklarni taqsimlash, limitlash, kutilmagan xarajatlarni qoplash masalalari ko\u2019rib chiqilga<\/em><em>n. Shuningdek, zaxiralash orqali risklarni minimallashtirish kabi yondashuv taklif etilgan<\/em><em>.<\/em><em>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <\/em><strong><em>Kalit so\u2019zlar: <\/em><\/strong><em>risk va uning turlari, diversifikatsiya, zaxiralash, limitlash, risklarni boshqarish, minimallshtirish.<\/em><em><\/em><\/p>\n\n\n\n<p><strong>\u0412\u0418\u0414\u042b \u0420\u0418\u0421\u041a\u041e\u0412 \u0412 \u0411\u0410\u041d\u041a\u041e\u0412\u0421\u041a\u041e\u0419 \u0414\u0415\u042f\u0422\u0415\u041b\u042c\u041d\u041e\u0421\u0422\u0418 \u0418 \u0418\u0425 \u042d\u0424\u0424\u0415\u041a\u0422\u0418\u0412\u041d\u041e\u0415 \u0423\u041f\u0420\u0410\u0412\u041b\u0415\u041d\u0418\u0415<\/strong><strong><\/strong><\/p>\n\n\n\n<p><strong>\u0418\u0448\u043d\u0438\u044f\u0437\u043e\u0432 \u041e\u0442\u0430\u0431\u0435\u043a \u0411\u0430\u0445\u043e\u0434\u0438\u0440\u043e\u0432\u0438\u0447<\/strong><strong><\/strong><\/p>\n\n\n\n<p><em>\u0421\u0430\u043c\u043e\u0441\u0442\u043e\u044f\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0441\u043e\u0438\u0441\u043a\u0430\u0442\u0435\u043b\u044c \u0443\u0447\u0435\u043d\u043e\u0439<\/em><\/p>\n\n\n\n<p><em>\u0441\u0442\u0435\u043f\u0435\u043d\u0438 PhD \u043a\u0430\u0444\u0435\u0434\u0440\u044b \u00ab\u0411\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0439 \u0443\u0447\u0435\u0442 \u0438 \u0430\u0443\u0434\u0438\u0442\u00bb<\/em><\/p>\n\n\n\n<p><em>\u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0441\u043a\u0438\u0439 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442<\/em><\/p>\n\n\n\n<p><em>E-mail:<\/em><em> <\/em><a href=\"mailto:otabek_144@mail.com\"><em>otabek<\/em><em>_144<\/em><em>@mail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>ORCID:<\/em> <em>0009-0005-2536-7807<\/em><\/p>\n\n\n\n<p><strong><em>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f<\/em><\/strong><em>. \u0412 \u0441\u0442\u0430\u0442\u044c\u0435 \u043f\u0440\u043e\u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u044b \u0440\u0438\u0441\u043a\u0438, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043c\u043e\u0433\u0443\u0442 \u0432\u043e\u0437\u043d\u0438\u043a\u0430\u0442\u044c \u0432 \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u0435 \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 \u0438\u0445 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0438 \u043c\u0438\u043d\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u0438. \u0410\u0432\u0442\u043e\u0440\u043e\u043c \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u044b \u0432\u043e\u043f\u0440\u043e\u0441\u044b \u0440\u0430\u0441\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u0438\u044f \u0440\u0438\u0441\u043a\u043e\u0432, \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u044f \u043b\u0438\u043c\u0438\u0442\u043e\u0432 \u0438 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u044f \u043d\u0435\u043f\u0440\u0435\u0434\u0432\u0438\u0434\u0435\u043d\u043d\u044b\u0445 \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432. \u041a\u0440\u043e\u043c\u0435 \u0442\u043e\u0433\u043e, \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d \u043f\u043e\u0434\u0445\u043e\u0434 \u043a \u043c\u0438\u043d\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u0438 \u0440\u0438\u0441\u043a\u043e\u0432 \u043f\u043e\u0441\u0440\u0435\u0434\u0441\u0442\u0432\u043e\u043c \u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0440\u0435\u0437\u0435\u0440\u0432\u043e\u0432.<\/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>: \u0440\u0438\u0441\u043a \u0438 \u0435\u0433\u043e \u0432\u0438\u0434\u044b, \u0434\u0438\u0432\u0435\u0440\u0441\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f, \u0440\u0435\u0437\u0435\u0440\u0432\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435, \u043b\u0438\u043c\u0438\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435, \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0440\u0438\u0441\u043a\u0430\u043c\u0438, \u043c\u0438\u043d\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u044f \u0440\u0438\u0441\u043a\u043e\u0432.<\/em><\/p>\n\n\n\n<p><strong>TYPES OF RISKS IN BANKING ACTIVITIES AND THEIR EFFECTIVE MANAGEMENT<\/strong><strong><\/strong><\/p>\n\n\n\n<p><strong>Ishniyazov Otabek Bakhodirovich<\/strong><strong><\/strong><\/p>\n\n\n\n<p><em>&nbsp;<\/em><em>Independent PhD Researcher,<\/em><\/p>\n\n\n\n<p><em>Faculty of Banking Accounting and Audit<\/em><em> <\/em><em><\/em><\/p>\n\n\n\n<p><em>Tashkent State the University<\/em><em> <\/em><em>of Economics<\/em><\/p>\n\n\n\n<p><em>E-mail:<\/em><em> <\/em><a href=\"mailto:otabek_144@mail.com\"><em>otabek_144<\/em><em>@mail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>ORCID:<\/em> <em>0009-0005-2536-7807<\/em><\/p>\n\n\n\n<p><strong><em>Abstract<\/em><\/strong><em>. This article analyzes the risks that may arise during the operations of commercial banks, as well as the approaches used for their management and mitigation. The author examines issues related to risk allocation, the establishment of limits, and the coverage of unexpected expenses. In addition, the article proposes the use of provisioning (reserve formation) as an approach to minimizing risks.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/em><\/p>\n\n\n\n<p><strong><em>Keywords<\/em><\/strong><em>: risk and its types, diversification, provisioning, limit setting, risk management, risk mitigation.<\/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\/36.-Ishniyazov-Otabek-Baxodirovich-Bank-faoliyatida-risklarning-turlari-ularni-samarali-boshqarish.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 36. Ishniyazov Otabek Baxodirovich - Bank faoliyatida risklarning turlari, ularni samarali boshqarish.\"><\/object><a id=\"wp-block-file--media-4003048c-185d-4b96-8622-aa993aa152b0\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/36.-Ishniyazov-Otabek-Baxodirovich-Bank-faoliyatida-risklarning-turlari-ularni-samarali-boshqarish.pdf\">36. Ishniyazov Otabek Baxodirovich &#8211; Bank faoliyatida risklarning turlari, ularni samarali boshqarish<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/06\/36.-Ishniyazov-Otabek-Baxodirovich-Bank-faoliyatida-risklarning-turlari-ularni-samarali-boshqarish.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-4003048c-185d-4b96-8622-aa993aa152b0\">Download<\/a><\/div>\n\n\n\n<p><strong>Foydalanilgan adabiyotlar ro\u2019yxati<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u201cBanklar va banklar guruhlarining tavakkalchiliklarni boshqarish tizimiga doir talablar to\u2018g\u2018risidagi nizomni tasdiqlash\u201d haqida 3427-sonli nizomi<\/li>\n\n\n\n<li>The future of operational risk management | McKinsey<\/li>\n\n\n\n<li>Karimov I.A. Jahon moliyaviy-iqtisodiy inqirozi, O\u2018zbekiston sharoitida uni bartaraf etishning vo\u2018llari va choralari. -Toshkent: O\u2018zbekiston, 2009. -4-b.<\/li>\n\n\n\n<li>Risk Management in Banking: Types of Risk and Solution Suggestions for Risk Reduction Nuray Islatince<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>Ishniyazov Otabek Baxodirovich \u201cBank hisobi va auditi\u201d kafedrasi mustaqil izlanuvchisi (PhD) Toshkent davlat iqtisodiyot universiteti &nbsp;E-mail: otabek_144@mail.com ORCID: 0009-0005-2536-7807 Annotatsiya. Maqolada tijorat banklari faoilyati davomida yuzaga kelishi mumkin bo\u2019lgan risklar, ularni boshqarish, minimallashtirish&#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":[35],"tags":[],"class_list":["post-1699","post","type-post","status-publish","format-standard","hentry","category-2026-yil-3-son"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>BANK FAOLIYATIDA RISKLARNING TURLARI, ULARNI SAMARALI BOSHQARISH - \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=1699\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BANK FAOLIYATIDA RISKLARNING TURLARI, ULARNI SAMARALI BOSHQARISH - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"Ishniyazov Otabek Baxodirovich \u201cBank hisobi va auditi\u201d kafedrasi mustaqil izlanuvchisi (PhD) Toshkent davlat iqtisodiyot universiteti &nbsp;E-mail: otabek_144@mail.com ORCID: 0009-0005-2536-7807 Annotatsiya. 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