In this article, based on the provisions of Civil law and
economic science in the field of credit, the features of credit as an economic category are analyzed, conclusions are made about the legal nature of credit through the disclosure of the content of the credit relationship
Credit scoring is a significant errand for moneylenders to assess the advance applications
they get from shoppers just as for insurance agencies, which use scoring frameworks
today to assess new policyholders and the dangers these forthcoming clients may present
to the safety net provider. Credit scoring frameworks are utilized to demonstrate the
possible danger of advance applications, which have the upside of having the option to
deal with an enormous volume of acknowledge applications rapidly for insignificant work,
in this manner diminishing working expenses, and they might be a viable substitute for
the utilization of judgment among unpracticed advance officers, therefore assisting with
controlling awful obligation misfortunes. This investigation investigates the presentation of
credit scoring models utilizing customary and artificial insight draws near: discriminant
examination, strategic relapse, neural systems and classification and relapse trees
Respublikamizda hozirgi kunda tijorat banklari tomonidan mijozlarni kreditlashda kredit tarixi va ish haqi daromadlarini hisobga olgan holda kreditlar ajratilmoqda. Biroq xorij tajribasidan ma’lumki bu usulda kreditlashning bir qator kamchiliklari mavjud. Maqolada kredit skoring tizimini xulq-atvor iqtisodiyotini xorij tajribasi asosida joriy etishning ahamiyati va istiqbollari yoritilgan.
Using multiple linear regression analysis, the goal of this study is to look at how third-party funds and the BI Rate affected Bank BNI lending from 2010 to the third quarter of 2016. The study's numbers R square of 98.5 percent indicate that independent variables can explain 98.5 percent of the dependent variable, and that the remaining 98.5 percent can be explained by other variables that were not examined by the independent variables that were used simultaneously and had a significant effect on lending. Third-party funds and a significant positive impact on credit distribution partially mean that when deposits rise, so does the loan portfolio, and vice versa. Nevertheless, the BI Rate has no positive impact on credit. Among the options that could be considered are increasing third-party funds through employee performance enhancement or providing a customer with a gift in order to acquire additional funds: maximizing public lending in accordance with the bank's mission; and employing distributed lag regression models for improved outcomes in subsequent research.
The article analyzes the increasing need of the corporate sector for external financing in the context of market relations and the role of national and international capital markets, as well as the use of commercial banks' credit resources and the attraction of funds through stock exchanges.
The objective of this study is to examine the factors contributing to the delay in primary banks granting credit to individuals. For this purpose, we collected data from 101 individuals using paper questionnaires. Subsequently, we constructed a database to organize the recorded data. Using the R software, we performed data processing. Our analysis involved two methods: descriptive analysis and econometric analysis.
The findings from this analysis indicate that internal organization, file quality, and administrative procedures for processing files have a significant impact on the delayed implementation of credit. To address these issues, we have developed recommendations for the managers of these institutions based on the obtained results. These recommendations aim to alleviate the problems associated with slowness in credit processing.
The article identifies problems associated with improving the practice of overdraft lending to commercial banks and develops scientific proposals aimed at solving these problems.
One of the main factors in ensuring the macroeconomic stability of the country in the post-pandemic period is to increase the efficiency of loans provided by commercial banks. This article examines the issues of improving the efficiency of loans provided by commercial banks in ensuring macroeconomic stability of the country in the event of a pandemic. In addition, through the analysis of the current situation in the banking system, systemic risks were identified and proposals and recommendations were developed to improve the efficiency of credit operations.
In the introductory part of the article the author
characterizes concept of the credit contract. In the basic part of the article questions of the Version of the credit contract by the Civil code of the Republic of Uzbekistan are considered. In the conclusion the author specifies in existing lacks of credit contracts.
The article examines the credit mechanism of increasing the competitiveness of the national economy and areas for improving its efficiency. The impact of increasing the credit activity of economic entities on the competitiveness of sectors of the national economy was assessed. A systematic description of the existing shortcomings and problematic processes in this regard is provided. Scientific proposals and practical recommendations for overcoming problematic processes in the systematic organization of increasing the competitiveness of the national economy have been formed.
One of the main factors in ensuring the macroeconomic stability of the country in the post-pandemic period is to increase the efficiency of loans provided by commercial banks. This article examines the issues of improving the efficiency of loans provided by commercial banks in ensuring macroeconomic stability of the country in the event of a pandemic. In addition, through the analysis of the current situation in the banking system, systemic risks were identified and proposals and recommendations were developed to improve the efficiency of credit operations.
In the article, in order to improve the practice of making import payments of importing enterprises at the expense of documented letters of credit of commercial banks in our country, the issues of increasing the volume of non-reimbursable and irrevocable letters of credit to customers with a good credit history are highlighted. As a result of this, firstly, currency funds belonging to importing enterprises are prevented from leaving their economic circulation; secondly, commercial banks will have an important source of income.
Kazakhstan has been carrying out cardinal reforms in the higher education system in recent years. One of them is the introduction of a credit system of education in universities. In the modern world, the main goal of the transition to a credit system of education is the integration of the education system with the global educational space and the creation of opportunities to increase competitiveness, global demand for professionals in changing times of production and market situation. The problem of improving the individual work of students in pedagogical universities has formed the basis for the research of many specialists, including teachers and methodologists [1].