{"id":1885,"date":"2023-12-30T21:57:55","date_gmt":"2023-12-30T16:57:55","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=1885"},"modified":"2026-07-22T22:09:07","modified_gmt":"2026-07-22T17:09:07","slug":"theories-of-nonperforming-loans-accumulation-factors","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=1885","title":{"rendered":"THEORIES OF NONPERFORMING LOANS ACCUMULATION FACTORS"},"content":{"rendered":"\n<p><strong>Rustamov Jonibek Ravshanbek ugli<\/strong><\/p>\n\n\n\n<p><em>An assistant at British Management<\/em><\/p>\n\n\n\n<p><em>university in Tashkent<\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><a href=\"mailto:paradise.enough.me@gmail.com\"><em>paradise.enough.me@gmail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>ORCID: 0009-0006-6361-5987<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\"><a>Abstract<\/a>. 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 &#8211; 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.<\/h2>\n\n\n\n<h2 class=\"wp-block-heading has-medium-font-size\">Keywords: problem loans, moral hazard theory, information asymmetry theory, consumer lending theory, financial literacy, financial stability.<\/h2>\n\n\n\n<p><strong>MUAMMOLI KREDITLAR SHAKLLANISH OMILLARINING NAZARIYALARI<\/strong><\/p>\n\n\n\n<p><strong>Rustamov Jonibek Ravshanbek o\u2019g\u2019li<\/strong><\/p>\n\n\n\n<p><em>&nbsp;assistent<\/em><strong><\/strong><\/p>\n\n\n\n<p><em>Toshkentdagi Britaniya menejment universiteti<\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><a href=\"mailto:paradise.enough.me@gmail.com\"><em>paradise.enough.me@gmail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>ORCID: 0009-0006-6361-5987<\/em><\/p>\n\n\n\n<p><strong>Annotatsiya<a>. <\/a><\/strong>Ushbu maqolada moliyaviy sektorda muammoli kreditlar (NP) to&#8217;planishi sabablarini tushuntiruvchi nazariyalar ko&#8217;rib chiqilgan. Uchta mashhur nazariy, yani axloqiy risk nazariyasi, axborot assimetriyasi nazariyasi va iste&#8217;mol krediti nazariyasi tahlil etilgan. &nbsp;Tadqiqotda NPL to&#8217;planishining ko&#8217;p qirrali omillari haqida tushuncha berilgan, samarali risklarni boshqarish va moliyaviy barqarorlik uchun ushbu nazariyalarni tushunish muhimligi ta&#8217;kidlangan.<\/p>\n\n\n\n<p><strong>Kalit so&#8217;zlar:<\/strong> muammoli kreditlar, axloqiy risk nazariyasi, axborot assimetriyasi nazariyasi, iste&#8217;mol krediti nazariyasi, moliyaviy savodxonlik, moliyaviy barqarorlik.<\/p>\n\n\n\n<p><strong>\u0422\u0415\u041e\u0420\u0418\u042f \u0424\u0410\u041a\u0422\u041e\u0420\u041e\u0412 \u041d\u0410\u041a\u041e\u041f\u041b\u0415\u041d\u0418\u042f<\/strong><\/p>\n\n\n\n<p><strong>\u041f\u0420\u041e\u0411\u041b\u0415\u041c\u041d\u042b\u0425 \u041a\u0420\u0415\u0414\u0418\u0422\u041e\u0412<\/strong><\/p>\n\n\n\n<p><strong>\u0420\u0443\u0441\u0442\u0430\u043c\u043e\u0432 <\/strong><strong>\u0416<\/strong><strong>\u043e\u043d\u0438\u0431\u0435\u043a \u0420\u0430\u0432\u0448\u0430\u043d\u0431\u0435\u043a \u043e\u0433<\/strong><strong>\u043b\u044b<\/strong><strong><\/strong><\/p>\n\n\n\n<p><em>\u00a0\u0430\u0441\u0441\u0438\u0441\u0442\u0435\u043d\u0442<\/em><\/p>\n\n\n\n<p><em>\u0411\u0440\u0438\u0442\u0430\u043d\u0441\u043a\u0438\u0439 \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u043c\u0435\u043d\u0435\u0434\u0436\u043c\u0435\u043d\u0442\u0430 \u0432 \u0422\u0430\u0448\u043a\u0435\u043d\u0442\u0435<\/em><em> <\/em><em><\/em><\/p>\n\n\n\n<p><em>E-mail: <\/em><a href=\"mailto:paradise.enough.me@gmail.com\"><em>paradise.enough.me@gmail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>ORCID<\/em><em>: 0009-0006-6361-5987<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-small-font-size\"><a>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f<\/a>. \u0412 \u0434\u0430\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435 \u0438\u0441\u0441\u043b\u0435\u0434\u0443\u044e\u0442\u0441\u044f \u0442\u0435\u043e\u0440\u0438\u0438, \u043e\u0431\u044a\u044f\u0441\u043d\u044f\u044e\u0449\u0438\u0435 \u043f\u0440\u0438\u0447\u0438\u043d\u044b \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u044f \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 (\u041f\u041a) \u0432 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u0441\u0444\u0435\u0440\u0435. \u0420\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u044b \u0442\u0440\u0438 \u0438\u0437\u0432\u0435\u0441\u0442\u043d\u044b\u0435 \u0442\u0435\u043e\u0440\u0438\u0438 \u2013 \u0442\u0435\u043e\u0440\u0438\u044f \u043c\u043e\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430, \u0442\u0435\u043e\u0440\u0438\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0439 \u0430\u0441\u0438\u043c\u043c\u0435\u0442\u0440\u0438\u0438 \u0438 \u0442\u0435\u043e\u0440\u0438\u044f \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430. \u0418\u0441\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u0438\u0435 \u0434\u0430\u0435\u0442 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043e \u043c\u043d\u043e\u0433\u043e\u0433\u0440\u0430\u043d\u043d\u044b\u0445 \u0444\u0430\u043a\u0442\u043e\u0440\u0430\u0445 \u043d\u0430\u043a\u043e\u043f\u043b\u0435\u043d\u0438\u044f \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432 \u0438 \u043f\u043e\u0434\u0447\u0435\u0440\u043a\u0438\u0432\u0430\u0435\u0442 \u0432\u0430\u0436\u043d\u043e\u0441\u0442\u044c \u043f\u043e\u043d\u0438\u043c\u0430\u043d\u0438\u044f \u044d\u0442\u0438\u0445 \u0442\u0435\u043e\u0440\u0438\u0439 \u0434\u043b\u044f \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0433\u043e \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0440\u0438\u0441\u043a\u0430\u043c\u0438 \u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u043e\u0441\u0442\u0438.<\/h2>\n\n\n\n<p>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0441\u043b\u043e\u0432\u0430: \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043d\u044b\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u044b, \u0442\u0435\u043e\u0440\u0438\u044f \u043c\u043e\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0440\u0438\u0441\u043a\u0430, \u0442\u0435\u043e\u0440\u0438\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u043e\u043d\u043d\u043e\u0439 \u0430\u0441\u0438\u043c\u043c\u0435\u0442\u0440\u0438\u0438, \u0442\u0435\u043e\u0440\u0438\u044f \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f, \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0433\u0440\u0430\u043c\u043e\u0442\u043d\u043e\u0441\u0442\u044c, \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u043e\u0441\u0442\u044c<em>.<\/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\/07\/Rustamov-Jonibek-Ravshanbek-ugli.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of Rustamov Jonibek Ravshanbek ugli.\"><\/object><a id=\"wp-block-file--media-995ad8da-3de2-4a2a-854d-9b70a4928c4e\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/07\/Rustamov-Jonibek-Ravshanbek-ugli.pdf\">Rustamov Jonibek Ravshanbek ugli<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2026\/07\/Rustamov-Jonibek-Ravshanbek-ugli.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-995ad8da-3de2-4a2a-854d-9b70a4928c4e\">Download<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">References<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Jiri Podpiera and Laurent Weill, (2007), Bad luck or Bad management? 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D., (2023), Information asymmetry and the balance of interests of banks, their customers and the economy, Finance and credit, Vol. 29, Issue 3, pp. 601-622.<\/li>\n\n\n\n<li>Do Hoai and Ngo Thanh, (2020), The effect of non-performing loans on profitability of commercial banks: Case of Vietnam, Accounting 6, pp. 373-386.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>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&#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":[6],"tags":[],"class_list":["post-1885","post","type-post","status-publish","format-standard","hentry","category-bank-ishi-investisiya-va-soliqqa-tortish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>THEORIES OF NONPERFORMING LOANS ACCUMULATION FACTORS - \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=1885\" \/>\n<meta property=\"og:locale\" content=\"uz_UZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"THEORIES OF NONPERFORMING LOANS ACCUMULATION FACTORS - \u201cMoliyaviy texnologiyalar\u201d ilmiy elektron jurnali\" \/>\n<meta property=\"og:description\" content=\"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. 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