{"id":5065,"date":"2026-02-10T10:42:06","date_gmt":"2026-02-10T10:42:06","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=5065"},"modified":"2026-02-10T11:05:41","modified_gmt":"2026-02-10T11:05:41","slug":"problems-in-managing-credit-risk-in-commercial-banks-and-modern-approaches-to-their-mitigation","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=5065","title":{"rendered":"PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION"},"content":{"rendered":"\n<p class=\"has-text-align-left wp-block-paragraph\"><strong><em>Karimov Shohruh Boydulla o\u2018g\u2018li<\/em><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><em>Independent Researcher, Tashkent State University of Economics<\/em><\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><em><br>Tashkent, Uzbekistan. E-mail: <\/em><a href=\"mailto:shohruhkarimov51@gmail.com\"><em>shohruhkarimov51@gmail.com<\/em><\/a><\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><em>ORCID:0009-0009-5675-1181<\/em><\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><strong><em>Abstract.<\/em><\/strong><em> This article provides a systematic analysis of pressing issues in the practice of bank risk assessment and management. The study focuses primarily on credit risk, highlighting internal and external factors affecting borrowers\u2019 financial condition, the reliability of financial information, the insufficiency of legal enforcement mechanisms, and shortcomings in the frameworks for in-depth analysis and monitoring of the credit process. In addition, increasing credit portfolio concentration and the underdevelopment of diversification practices are considered key risk drivers that undermine a bank\u2019s financial stability.<\/em><\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><strong><em>Keywords:<\/em><\/strong><em> bank risks; credit risk; loan portfolio; portfolio concentration; diversification; borrower&#8217;s financial analysis; monitoring and internal audit; classification of reserves and assets; Basel Committee, risk-appetite, liquidity risk, market risk, currency risk, financial market, mandatory insurance, personal insurance, property insurance, deposit.<\/em><strong><br><\/strong><\/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:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2026\/02\/5\u0428\u043e\u04b3\u0440\u0443\u04b3-\u041a\u0430\u0440\u0438\u043c\u043e\u0432.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 5+\u0428\u043e\u04b3\u0440\u0443\u04b3 \u041a\u0430\u0440\u0438\u043c\u043e\u0432.\"><\/object><a id=\"wp-block-file--media-43e0d75b-a73e-4b74-95a6-656114b80fd9\" href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2026\/02\/5\u0428\u043e\u04b3\u0440\u0443\u04b3-\u041a\u0430\u0440\u0438\u043c\u043e\u0432.pdf\">5+\u0428\u043e\u04b3\u0440\u0443\u04b3 \u041a\u0430\u0440\u0438\u043c\u043e\u0432<\/a><a href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2026\/02\/5\u0428\u043e\u04b3\u0440\u0443\u04b3-\u041a\u0430\u0440\u0438\u043c\u043e\u0432.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-43e0d75b-a73e-4b74-95a6-656114b80fd9\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Karimov Shohruh Boydulla o\u2018g\u2018li Independent Researcher, Tashkent State University of Economics Tashkent, Uzbekistan. E-mail: shohruhkarimov51@gmail.com ORCID:0009-0009-5675-1181 Abstract. This article provides a systematic analysis of pressing issues in the practice of bank risk assessment and management. The study focuses primarily on <a href=\"https:\/\/interfinance.tsue.uz\/?p=5065\" 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":[73,1],"tags":[],"class_list":["post-5065","post","type-post","status-publish","format-standard","hentry","category-2026-1-issue-1-6","category-notfound"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION - 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=5065\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"Karimov Shohruh Boydulla o\u2018g\u2018li Independent Researcher, Tashkent State University of Economics Tashkent, Uzbekistan. E-mail: shohruhkarimov51@gmail.com ORCID:0009-0009-5675-1181 Abstract. This article provides a systematic analysis of pressing issues in the practice of bank risk assessment and management. The study focuses primarily on Read More ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/interfinance.tsue.uz\/?p=5065\" \/>\n<meta property=\"og:site_name\" content=\"Journal of International Finance and Accounting\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-10T10:42:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-10T11:05:41+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=5065#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5065\"},\"author\":{\"name\":\"jurnal-admin\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/person\\\/4a9988bcb6588f9a14bc8bf9802ad53a\"},\"headline\":\"PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION\",\"datePublished\":\"2026-02-10T10:42:06+00:00\",\"dateModified\":\"2026-02-10T11:05:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5065\"},\"wordCount\":165,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\"},\"articleSection\":[\"2026-1-issue-1-6\",\"notfound\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5065#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5065\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5065\",\"name\":\"PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION - Journal of International Finance and Accounting\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#website\"},\"datePublished\":\"2026-02-10T10:42:06+00:00\",\"dateModified\":\"2026-02-10T11:05:41+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5065#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5065\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=5065#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/interfinance.tsue.uz\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION\"}]},{\"@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":"PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION - 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=5065","og_locale":"en_US","og_type":"article","og_title":"PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION - Journal of International Finance and Accounting","og_description":"Karimov Shohruh Boydulla o\u2018g\u2018li Independent Researcher, Tashkent State University of Economics Tashkent, Uzbekistan. E-mail: shohruhkarimov51@gmail.com ORCID:0009-0009-5675-1181 Abstract. This article provides a systematic analysis of pressing issues in the practice of bank risk assessment and management. The study focuses primarily on Read More ...","og_url":"https:\/\/interfinance.tsue.uz\/?p=5065","og_site_name":"Journal of International Finance and Accounting","article_published_time":"2026-02-10T10:42:06+00:00","article_modified_time":"2026-02-10T11:05:41+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=5065#article","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/?p=5065"},"author":{"name":"jurnal-admin","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/person\/4a9988bcb6588f9a14bc8bf9802ad53a"},"headline":"PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION","datePublished":"2026-02-10T10:42:06+00:00","dateModified":"2026-02-10T11:05:41+00:00","mainEntityOfPage":{"@id":"https:\/\/interfinance.tsue.uz\/?p=5065"},"wordCount":165,"commentCount":0,"publisher":{"@id":"https:\/\/interfinance.tsue.uz\/#organization"},"articleSection":["2026-1-issue-1-6","notfound"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/interfinance.tsue.uz\/?p=5065#respond"]}]},{"@type":"WebPage","@id":"https:\/\/interfinance.tsue.uz\/?p=5065","url":"https:\/\/interfinance.tsue.uz\/?p=5065","name":"PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION - Journal of International Finance and Accounting","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/#website"},"datePublished":"2026-02-10T10:42:06+00:00","dateModified":"2026-02-10T11:05:41+00:00","breadcrumb":{"@id":"https:\/\/interfinance.tsue.uz\/?p=5065#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/interfinance.tsue.uz\/?p=5065"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/interfinance.tsue.uz\/?p=5065#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/interfinance.tsue.uz\/"},{"@type":"ListItem","position":2,"name":"PROBLEMS IN MANAGING CREDIT RISK IN COMMERCIAL BANKS AND MODERN APPROACHES TO THEIR MITIGATION"}]},{"@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\/5065","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=5065"}],"version-history":[{"count":2,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/5065\/revisions"}],"predecessor-version":[{"id":5068,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=\/wp\/v2\/posts\/5065\/revisions\/5068"}],"wp:attachment":[{"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5065"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5065"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/interfinance.tsue.uz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5065"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}