{"id":442,"date":"2023-09-25T15:25:17","date_gmt":"2023-09-25T10:25:17","guid":{"rendered":"https:\/\/fintech.tsue.uz\/?p=442"},"modified":"2023-11-05T22:28:56","modified_gmt":"2023-11-05T17:28:56","slug":"%d1%82%d0%b8%d0%b6%d0%be%d1%80%d0%b0%d1%82-%d0%b1%d0%b0%d0%bd%d0%ba%d0%bb%d0%b0%d1%80%d0%b8%d0%bd%d0%b8%d0%bd%d0%b3-%d0%b8%d0%bf%d0%be%d1%82%d0%b5%d0%ba%d0%b0-%d0%ba%d1%80%d0%b5%d0%b4%d0%b8%d1%82","status":"publish","type":"post","link":"https:\/\/fintech.tsue.uz\/?p=442","title":{"rendered":"\u0422\u0418\u0416\u041e\u0420\u0410\u0422 \u0411\u0410\u041d\u041a\u041b\u0410\u0420\u0418\u041d\u0418\u041d\u0413 \u0418\u041f\u041e\u0422\u0415\u041a\u0410 \u041a\u0420\u0415\u0414\u0418\u0422\u041b\u0410\u0428 \u0411\u0418\u041b\u0410\u041d \u0411\u041e\u0492\u041b\u0418\u049a \u0420\u0418\u0421\u041a\u041b\u0410\u0420\u041d\u0418 \u041c\u0418\u041d\u0418\u041c\u0410\u041b\u041b\u0410\u0428\u0422\u0418\u0420\u0418\u0428 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<\/em><em>\u0434\u043e\u0446\u0435\u043d\u0442&nbsp;<\/em><\/p>\n\n\n\n<p><em>\u0422\u043e\u0448\u043a\u0435\u043d\u0442 \u043c\u043e\u043b\u0438\u044f \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u0438<\/em><\/p>\n\n\n\n<p><em>&nbsp;\u043c\u0443\u0441\u0442\u0430\u049b\u0438\u043b \u0442\u0430\u0434\u049b\u0438\u049b\u043e\u0442\u0447\u0438\u0441\u0438<\/em><\/p>\n\n\n\n<p><em>email:<\/em><em> <\/em><a href=\"mailto:istamkulliev@gmail.com\"><em>istamkulliev<\/em><em>@gmail.com<\/em><\/a><em><\/em><\/p>\n\n\n\n<p><em>&nbsp;ORCID: <\/em><em>0009-0007-8138-127X<\/em><\/p>\n\n\n\n<p><strong>\u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f:<\/strong><\/p>\n\n\n\n<p>\u041c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u0431\u0430\u043d\u043a\u043b\u0430\u0440\u043d\u0438\u043d\u0433 \u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043b\u0430\u0440\u0438 \u0431\u0438\u043b\u0430\u043d \u0431\u043e\u0493\u043b\u0438\u049b 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\u0432\u0430 \u043c\u0435\u0442\u043e\u0434\u043b\u0430\u0440\u0438\u0433\u0430 \u043a\u045e\u0440\u0430 \u043c\u0430\u0432\u0437\u0443\u0433\u0430 \u0434\u043e\u0438\u0440 \u0431\u0438\u0440 \u049b\u0430\u0442\u043e\u0440 \u043c\u0430\u04b3\u0430\u043b\u043b\u0438\u0439 \u0432\u0430 \u0445\u043e\u0440\u0438\u0436\u043b\u0438\u043a \u0438\u049b\u0442\u0438\u0441\u043e\u0434\u0447\u0438 \u043e\u043b\u0438\u043c\u043b\u0430\u0440\u043d\u0438\u043d\u0433 \u0442\u0430\u0434\u049b\u0438\u049b\u043e\u0442\u043b\u0430\u0440\u0438 \u045e\u0440\u0433\u0430\u043d\u0438\u043b\u0433\u0430\u043d. \u0428\u0443\u043d\u0438\u043d\u0433\u0434\u0435\u043a \u0442\u0438\u0436\u043e\u0440\u0430\u0442 \u0431\u0430\u043d\u043a\u043b\u0430\u0440\u0438\u043d\u0438\u043d\u0433 \u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043b\u0430\u0448 \u0430\u043c\u0430\u043b\u0438\u0451\u0442\u043b\u0430\u0440\u0438\u043d\u0438 \u0442\u0430\u043a\u043e\u043c\u0438\u043b\u043b\u0430\u0448\u0442\u0438\u0440\u0438\u0448 \u0432\u0430 \u0443 \u0431\u0438\u043b\u0430\u043d \u0431\u043e\u0493\u043b\u0438\u049b \u0440\u0438\u0441\u043a\u043b\u0430\u0440\u043d\u0438 \u043c\u0438\u043d\u0438\u043c\u0430\u043b\u043b\u0430\u0448\u0442\u0438\u0440\u0438\u0448 \u04b3\u0430\u049b\u0438\u0434\u0430 \u0444\u0438\u043a\u0440 \u044e\u0440\u0438\u0442\u0438\u043b\u0433\u0430\u043d.<\/p>\n\n\n\n<p><strong>\u041a\u0430\u043b\u0438\u0442 \u0441\u045e\u0437\u043b\u0430\u0440: <\/strong>\u0438\u043f\u043e\u0442\u0435\u043a\u0430, \u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u0438,\u043a\u0440\u0435\u0434\u0438\u0442 \u0441\u043a\u043e\u0440\u0438\u043d\u0433, \u043a\u0440\u0435\u0434\u0438\u0442 \u0442\u0430\u0440\u0438\u0445\u0438, \u043a\u0440\u0435\u0434\u0438\u0442\u0433\u0430 \u043b\u0430\u0451\u049b\u0430\u0442\u043b\u0438\u043b\u0438\u043a, \u049b\u0430\u0440\u0437 \u044e\u043a\u0438, \u043a\u0440\u0435\u0434\u0438\u0442 \u0440\u0438\u0441\u043a\u0438, \u043a\u0440\u0435\u0434\u0438\u0442 \u043f\u043e\u0440\u0442\u0444\u0435\u043b\u0438, \u0438\u043d\u0444\u043b\u044f\u0446\u0438\u044f, \u0440\u0435\u0441\u0443\u0440\u0441 \u0431\u0430\u0437\u0430, \u0441\u0442\u0440\u0435\u0441\u0441-\u0442\u0435\u0441\u0442, \u0441\u0443\u0437\u0443\u0432\u0447\u0438 \u0444\u043e\u0438\u0437 \u0441\u0442\u0430\u0432\u043a\u0430.<\/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\/2023\/11\/6.-\u049a\u0443\u043b\u043b\u0438\u0435\u0432-\u0418\u0441\u0442\u0430\u043c-\u042f\u043d\u0433\u0438\u043c\u0443\u0440\u043e\u0434\u043e\u0432\u0438\u0447.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 6.-\u049a\u0443\u043b\u043b\u0438\u0435\u0432-\u0418\u0441\u0442\u0430\u043c-\u042f\u043d\u0433\u0438\u043c\u0443\u0440\u043e\u0434\u043e\u0432\u0438\u0447.\"><\/object><a id=\"wp-block-file--media-8028e6db-29da-41ba-9839-e3794dc15aaa\" href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/11\/6.-\u049a\u0443\u043b\u043b\u0438\u0435\u0432-\u0418\u0441\u0442\u0430\u043c-\u042f\u043d\u0433\u0438\u043c\u0443\u0440\u043e\u0434\u043e\u0432\u0438\u0447.pdf\">6.-\u049a\u0443\u043b\u043b\u0438\u0435\u0432-\u0418\u0441\u0442\u0430\u043c-\u042f\u043d\u0433\u0438\u043c\u0443\u0440\u043e\u0434\u043e\u0432\u0438\u0447<\/a><a href=\"https:\/\/fintech.tsue.uz\/wp-content\/uploads\/2023\/11\/6.-\u049a\u0443\u043b\u043b\u0438\u0435\u0432-\u0418\u0441\u0442\u0430\u043c-\u042f\u043d\u0433\u0438\u043c\u0443\u0440\u043e\u0434\u043e\u0432\u0438\u0447.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-8028e6db-29da-41ba-9839-e3794dc15aaa\">Download<\/a><\/div>\n\n\n\n<p><strong>\u0424\u043e\u0439\u0434\u0430\u043b\u0430\u043d\u0438\u043b\u0433\u0430\u043d \u0430\u0434\u0430\u0431\u0438\u0451\u0442\u043b\u0430\u0440<\/strong><\/p>\n\n\n\n<p>1. Mikhail Pomazanov (2022) Risk Management Tools to Improve the Efficiency of Lending to Retail Segments \/\/ Published: November 14th, 2022 \/\/ doi:10.5772\/intechopen.108527<\/p>\n\n\n\n<p>2. Andreas Fuster, Matthew Plosser, Philipp Schnabl, James Vickery (2018)The Role of Technology in Mortgage Lending\/\/ The Review of Financial Studies, Volume 32, Issue 5, May 2019, Pages 1854\u20131899, https:\/\/doi.org\/10.1093\/rfs\/hhz018<\/p>\n\n\n\n<p>3. Morris A Davis, William D Larson, Stephen D Oliner, Benjamin R Smith A (2023) Quarter Century of Mortgage Risk \/\/ Review of Finance, Volume 27, Issue 2, March 2023, Pages 581\u2013618, https:\/\/doi.org\/10.1093\/rof\/rfac034<\/p>\n\n\n\n<p>4. Raun van Ooijenc, Maarten C.J. van Rooij (2016) Mortgage risks, debt literacy and financial advice \/\/ Journal of Banking &amp; Finance \/\/ Volume 72, November 2016, Pages 201-217 \/\/ https:\/\/doi.org\/10.1016\/j.jbankfin.2016.05.001<\/p>\n\n\n\n<p>5. Manuel Adelino, W Frame, Kristopher Gerardi (2017) The effect of large investors on asset quality: Evidence from subprime mortgage securities \/\/ Journal of Monetary Economics, 2017, vol. 87, issue C, 34-51<\/p>\n\n\n\n<p>6. Baily, M., Litan, R., &amp; Johnson, M. (2008). The origins of the financial crisis. Brookings Institution.<\/p>\n\n\n\n<p>7. Case, K.E., Shiller, R.J. (2003). Is there a bubble in the housing market? Brookings Institution.<\/p>\n\n\n\n<p>8. European Central Bank. (2000). Asset prices and banking stability.<\/p>\n\n\n\n<p>9. \u040e\u0437\u0431\u0435\u043a\u0438\u0441\u0442\u043e\u043d \u0420\u0435\u0441\u043f\u0443\u0431\u043b\u0438\u043a\u0430\u0441\u0438 \u041c\u0430\u0440\u043a\u0430\u0437\u0438\u0439 \u0431\u0430\u043d\u043a\u0438 \u041c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u0431\u0430\u0440\u049b\u0430\u0440\u043e\u0440\u043b\u0438\u043a \u0434\u0435\u043f\u0430\u0440\u0442\u0430\u043c\u0435\u043d\u0442\u0438 \u0442\u043e\u043c\u043e\u043d\u0438\u0434\u0430\u043d&nbsp; \u0442\u0430\u0439\u0451\u0440\u043b\u0430\u043d\u0433\u0430\u043d \u201c\u041c\u043e\u043b\u0438\u044f\u0432\u0438\u0439 \u0431\u0430\u0440\u049b\u0430\u0440\u043e\u0440\u043b\u0438\u043a \u0448\u0430\u0440\u04b3\u0438\u201d 2023 \u0439\u0438\u043b.<\/p>\n\n\n\n<p>10.&nbsp;&nbsp;&nbsp; https:\/\/www.alliedmarketresearch.com\/mortgage-lending-market-A17282<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u049a\u0443\u043b\u043b\u0438\u0435\u0432 \u0418\u0441\u0442\u0430\u043c \u042f\u043d\u0433\u0438\u043c\u0443\u0440\u043e\u0434\u043e\u0432\u0438\u0447 \u0438\u049b\u0442\u0438\u049b\u0441\u043e\u0434\u0438\u0451\u0442 \u0444\u0430\u043d\u043b\u0430\u0440\u0438&nbsp; \u043d\u043e\u043c\u0437\u043e\u0434\u0438 \u0434\u043e\u0446\u0435\u043d\u0442&nbsp; \u0422\u043e\u0448\u043a\u0435\u043d\u0442 \u043c\u043e\u043b\u0438\u044f \u0438\u043d\u0441\u0442\u0438\u0442\u0443\u0442\u0438 &nbsp;\u043c\u0443\u0441\u0442\u0430\u049b\u0438\u043b \u0442\u0430\u0434\u049b\u0438\u049b\u043e\u0442\u0447\u0438\u0441\u0438 email: istamkulliev@gmail.com &nbsp;ORCID: 0009-0007-8138-127X \u0410\u043d\u043d\u043e\u0442\u0430\u0446\u0438\u044f: \u041c\u0430\u049b\u043e\u043b\u0430\u0434\u0430 \u0431\u0430\u043d\u043a\u043b\u0430\u0440\u043d\u0438\u043d\u0433 \u0438\u043f\u043e\u0442\u0435\u043a\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043b\u0430\u0440\u0438 \u0431\u0438\u043b\u0430\u043d \u0431\u043e\u0493\u043b\u0438\u049b \u0440\u0438\u0441\u043a\u043b\u0430\u0440, \u0443\u0439-\u0436\u043e\u0439 \u043d\u0430\u0440\u0445\u043b\u0430\u0440\u0438\u043d\u0438\u043d\u0433 \u0441\u0443\u043d\u044a\u0438\u0439 \u043e\u0448\u0438\u0448\u0438 \u043d\u0430\u0442\u0438\u0436\u0430\u0441\u0438\u0434\u0430 \u044e\u0437\u0430\u0433\u0430 \u043a\u0435\u043b\u0430\u0434\u0438\u0433\u0430\u043d \u043d\u0430\u0440\u0445 \u043f\u0443\u0444\u0430\u0433\u0438\u043d\u0438 \u0441\u0430\u043b\u0431\u0438\u0439&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":446,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-442","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bank-ishi-investisiya-va-soliqqa-tortish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - 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