{"id":4138,"date":"2024-09-18T11:50:44","date_gmt":"2024-09-18T11:50:44","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=4138"},"modified":"2024-09-18T11:51:55","modified_gmt":"2024-09-18T11:51:55","slug":"assessment-of-credit-capacity-of-customers-in-commercial-banks","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=4138","title":{"rendered":"ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS"},"content":{"rendered":"<p><strong><em>Nabi<\/em><\/strong><strong><em>y<\/em><\/strong><strong><em>ev Umidjon Bobokulovich<\/em><\/strong><\/p>\n<p><em>Freelance researcher<\/em><\/p>\n<p><em>nabievumid378@gmail.com<\/em><\/p>\n<p><em><a href=\"https:\/\/orcid.org\/:0009-0004-5038-9840\">https:\/\/orcid.org\/:0009-0004-5038-9840<\/a><\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<p><strong><em>JELClassification:<\/em><\/strong><strong><em> G21, D53<\/em><\/strong><\/p>\n<p><strong><em>Abstract.<\/em><\/strong><em> The article describes in detail the current procedure for assessing the creditworthiness of customers in commercial banks. The increase in the volume of loan deposits creates the need for commercial banks to select the most suitable borrowers with a low risk of loan default. One of the most important aspects of reducing credit risk is the need to create a clear and complete assessment methodology based on a deep analysis of the creditworthiness of enterprises. In the practice of commercial banks, several methods and methods are used to assess the creditworthiness of customers. The development of a new improved method based on a comparative analysis of existing shortcomings in these methods and methods will lead to timely and complete repayment of the loan. A comparative analysis of national and foreign experiences of assessing the creditworthiness of clients has been carried out.<\/em><em> The development of a new improved method based on a comparative analysis of existing shortcomings in these methods and methods will lead to timely and complete repayment of the loan.<\/em><\/p>\n<p><strong><em>Keywords.<\/em><\/strong><em> Creditworthiness, evaluation criteria, ratio method, credit risk, credit risk reduction, perspective analysis, financial indicators, non-financial indicators, scoring model, electronic program<\/em>.<\/p>\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:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2024\/09\/6\u041d\u0430\u0431\u0438\u0435\u0432-\u0423\u043c\u0438\u0434.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 6\u041d\u0430\u0431\u0438\u0435\u0432-\u0423\u043c\u0438\u0434.\"><\/object><a id=\"wp-block-file--media-63c3c0ad-ec55-452e-a8c6-20d7777eee45\" href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2024\/09\/6\u041d\u0430\u0431\u0438\u0435\u0432-\u0423\u043c\u0438\u0434.pdf\">6\u041d\u0430\u0431\u0438\u0435\u0432-\u0423\u043c\u0438\u0434<\/a><a href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2024\/09\/6\u041d\u0430\u0431\u0438\u0435\u0432-\u0423\u043c\u0438\u0434.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-63c3c0ad-ec55-452e-a8c6-20d7777eee45\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Nabiyev Umidjon Bobokulovich Freelance researcher nabievumid378@gmail.com https:\/\/orcid.org\/:0009-0004-5038-9840 \u00a0 JELClassification: G21, D53 Abstract. The article describes in detail the current procedure for assessing the creditworthiness of customers in commercial banks. The increase in the volume of loan deposits creates the need <a href=\"https:\/\/interfinance.tsue.uz\/?p=4138\" class=\"read-more\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[64],"tags":[],"class_list":["post-4138","post","type-post","status-publish","format-standard","hentry","category-2024-4-issue-1-6"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS - Journal of International Finance and Accounting<\/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:\/\/interfinance.tsue.uz\/?p=4138\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"Nabiyev Umidjon Bobokulovich Freelance researcher nabievumid378@gmail.com https:\/\/orcid.org\/:0009-0004-5038-9840 \u00a0 JELClassification: G21, D53 Abstract. The article describes in detail the current procedure for assessing the creditworthiness of customers in commercial banks. The increase in the volume of loan deposits creates the need Read More ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/interfinance.tsue.uz\/?p=4138\" \/>\n<meta property=\"og:site_name\" content=\"Journal of International Finance and Accounting\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-18T11:50:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-18T11:51:55+00:00\" \/>\n<meta name=\"author\" content=\"jurnal-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=\"jurnal-admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=4138#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=4138\"},\"author\":{\"name\":\"jurnal-admin\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/person\\\/4a9988bcb6588f9a14bc8bf9802ad53a\"},\"headline\":\"ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS\",\"datePublished\":\"2024-09-18T11:50:44+00:00\",\"dateModified\":\"2024-09-18T11:51:55+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=4138\"},\"wordCount\":223,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\"},\"articleSection\":[\"2024-4-issue 1-6\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=4138#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=4138\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=4138\",\"name\":\"ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS - Journal of International Finance and Accounting\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#website\"},\"datePublished\":\"2024-09-18T11:50:44+00:00\",\"dateModified\":\"2024-09-18T11:51:55+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=4138#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=4138\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=4138#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#website\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\",\"name\":\"Journal of International Finance and Accounting\",\"description\":\"Tashkent State University of Economics\",\"publisher\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\",\"name\":\"Journal of International Finance and Accounting\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png\",\"contentUrl\":\"https:\\\/\\\/interfinance.tsue.uz\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png\",\"width\":90,\"height\":90,\"caption\":\"Journal of International Finance and Accounting\"},\"image\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/person\\\/4a9988bcb6588f9a14bc8bf9802ad53a\",\"name\":\"jurnal-admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@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\":\"jurnal-admin\"},\"sameAs\":[\"http:\\\/\\\/interfinance.tsue.uz\"],\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS - Journal of International Finance and Accounting","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:\/\/interfinance.tsue.uz\/?p=4138","og_locale":"en_US","og_type":"article","og_title":"ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS - Journal of International Finance and Accounting","og_description":"Nabiyev Umidjon Bobokulovich Freelance researcher nabievumid378@gmail.com https:\/\/orcid.org\/:0009-0004-5038-9840 \u00a0 JELClassification: G21, D53 Abstract. The article describes in detail the current procedure for assessing the creditworthiness of customers in commercial banks. The increase in the volume of loan deposits creates the need Read More ...","og_url":"https:\/\/interfinance.tsue.uz\/?p=4138","og_site_name":"Journal of International Finance and Accounting","article_published_time":"2024-09-18T11:50:44+00:00","article_modified_time":"2024-09-18T11:51:55+00:00","author":"jurnal-admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"jurnal-admin","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/interfinance.tsue.uz\/?p=4138#article","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/?p=4138"},"author":{"name":"jurnal-admin","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/person\/4a9988bcb6588f9a14bc8bf9802ad53a"},"headline":"ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS","datePublished":"2024-09-18T11:50:44+00:00","dateModified":"2024-09-18T11:51:55+00:00","mainEntityOfPage":{"@id":"https:\/\/interfinance.tsue.uz\/?p=4138"},"wordCount":223,"commentCount":0,"publisher":{"@id":"https:\/\/interfinance.tsue.uz\/#organization"},"articleSection":["2024-4-issue 1-6"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/interfinance.tsue.uz\/?p=4138#respond"]}]},{"@type":"WebPage","@id":"https:\/\/interfinance.tsue.uz\/?p=4138","url":"https:\/\/interfinance.tsue.uz\/?p=4138","name":"ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS - Journal of International Finance and Accounting","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/#website"},"datePublished":"2024-09-18T11:50:44+00:00","dateModified":"2024-09-18T11:51:55+00:00","breadcrumb":{"@id":"https:\/\/interfinance.tsue.uz\/?p=4138#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/interfinance.tsue.uz\/?p=4138"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/interfinance.tsue.uz\/?p=4138#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/interfinance.tsue.uz\/"},{"@type":"ListItem","position":2,"name":"ASSESSMENT OF CREDIT CAPACITY OF CUSTOMERS IN COMMERCIAL BANKS"}]},{"@type":"WebSite","@id":"https:\/\/interfinance.tsue.uz\/#website","url":"https:\/\/interfinance.tsue.uz\/","name":"Journal of International Finance and Accounting","description":"Tashkent State University of Economics","publisher":{"@id":"https:\/\/interfinance.tsue.uz\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/interfinance.tsue.uz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/interfinance.tsue.uz\/#organization","name":"Journal of International Finance and Accounting","url":"https:\/\/interfinance.tsue.uz\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/logo\/image\/","url":"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2022\/12\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png","contentUrl":"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2022\/12\/cropped-cropped-cropped-photo_2022-12-03_10-29-33-removebg-preview-e1670048062649.png","width":90,"height":90,"caption":"Journal of International Finance and Accounting"},"image":{"@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/person\/4a9988bcb6588f9a14bc8bf9802ad53a","name":"jurnal-admin","image":{"@type":"ImageObject","inLanguage":"en-US","@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":"jurnal-admin"},"sameAs":["http:\/\/interfinance.tsue.uz"],"url":"https:\/\/interfinance.tsue.uz\/?author=1"}]}},"_links":{"self":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/4138","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4138"}],"version-history":[{"count":2,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/4138\/revisions"}],"predecessor-version":[{"id":4141,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/4138\/revisions\/4141"}],"wp:attachment":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4138"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=4138"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=4138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}