ISSN:
2181-3906
2025
International scientific journal
«MODERN
SCIENCE
АND RESEARCH»
VOLUME 4 / ISSUE 6 / UIF:8.2 / MODERNSCIENCE.UZ
423
POINTS TO MINIMIZE RISKS IN THE INFORMATION GIVEN TO THE CLIENTS
BUYING A CREDIT
Ulzira Allambergenova
Student.
ulziraallambergenova@gmail.com
Salauat Sarsenbaev
Student.
Karakalpak State University.
https://doi.org/
10.5281/zenodo.15648087
Abstract. In this article, one of the most important measures to increase the
creditworthiness of enterprises is the scientific improvement of the methods of transition to the
practice of assessment by dividing the obligations in direct calculations into internal and
external obligations.
Key words:
Credit risks, creditworthiness, private capital, solvency and insolvency.
In the conditions of the market economy, the analysis of the risk system provided by the
information provided by the reporting data of economic entities is considered to be a necessary
tool. Together with the number, the goals of using the information are clear and in most cases the
maps are opposite to each other. For example, if the state budget is determined by the fiscal point
of view to estimate the amount of property under the control of the company at a reasonable
price, the creditor's company is determined to estimate the property's value at the lowest possible
price, as well as the risks in the collateral.
It is necessary to assess the reliability of information during the analysis of the risk
system. As a result of the reason analysis, the reliability of the information is determined by the
degree of reliability of the information, first of all, accounting balance information. In our
opinion, the opinion of E. Jones [1] that "balance gives an answer to the question of risk in
business" is correct. Economists generally consider it necessary to know the amount of the
company's personal capital when assessing the risk, because depending on its level, the
company's economic efficiency or economic efficiency is assessed.
The short-term loans of private capital companies are calculated as an indication of the
total assets of the company, and its composition includes the company's charter capital, reserve
capital, joint capital, undistributed profit (recovered loss), purchased private shares, and other
targeted income. The asset of the private capital economic entity is maintained in the park in the
middle of all thanks. Private capital, labor output, and property ownership, and co-investment
may increase or decrease depending on the results of other services. According to economists,
due to the accumulation of the amount of undisbursed profit in the annual average of the equity
capital, as a result, the share of the equity capital is the result of the accumulation, but together
with the increase of the annual average value of the equity capital, the level of profitability of the
equity capital remains unchanged. decreases. The reduction of the share of private capital, while
the profit of the utility company, has led to the increase of the profitability of private capital.
ISSN:
2181-3906
2025
International scientific journal
«MODERN
SCIENCE
АND RESEARCH»
VOLUME 4 / ISSUE 6 / UIF:8.2 / MODERNSCIENCE.UZ
424
It should be noted that the goal of full access to the data is negatively proportional to the
goal of naturalization.
The authorized capital played the most important role in the formation of personal capital
during the development of companies, as well as in joint-stock companies. During the formation
of the company, the size of the authorized capital, the share of the total private capital in most
companies, for example, in joint-stock companies, reached 90%.
The need to manage credit risks and various risks is considered one of the most important
issues in the context of the globalization of the market economy and the globalization of the
international economy.
When talking about credit risks, attention should be paid to the nature and meaning of
these risks, the reasons for their occurrence, and social and economic consequences.
Transactions related to risks occur in the process of active operations in the operation of
interbank banking. Commercial banks can provide loans as well as investment operations in the
form of asset operations related to risk.
Bank risks are different from the point of view of their appearance, and all of them are
explained by the fact that the money that was spent in the form of a loan does not return in full.
The risk of credit risk or debt repayment comes from the reluctance of the creditor to
change the terms of the loan in order to repay the loan in a timely manner. Credit risk is
considered to be one of the most common risks in banking. Finally, commercial banks should
pay special attention to this process in their credit policy.
Repayment of the received loan in a timely manner is considered as a condition of
unfaithfulness to the replacement of credit conditions, full repayment of loans, partial repayment
(in this case, the interest of the received loans is also included in the commission payments) or
the postponement of the term.
Credit risk is characterized by the risk of not being able to pay the debts due in
accordance with the terms of the loan agreement.
The most effective solution to the risk management of banks is achieved only through
constant monitoring of the creditworthiness of debtors and financial stability. At the same time,
attention was paid to liquidity and autonomy risks.
Credit risk is determined by the impossibility of obtaining a loan due to the level of
indebtedness, the lack of proper cash flow, financial difficulties, the low business reputation of
the owners of the company, or the superiority of criminal feelings.
Finally, the joint state bodies were exposed to these risks due to the pressure of
individuals.
Low level of employee satisfaction, public social tension, and bribery have a strong
impact on the level of credit risks.
The assessment of credit risks first begins with acquaintance with potential borrowers. In
this, the client's reputation, professionalism, production, marketing and financial management
skills are evaluated. It is necessary to pay great attention to how well the credit system is
prepared, how well it meets the economic, social, and environmental goals, and the purpose of
the credit is also important for the bank, borrowing, social strata, network, and region. It gives
the opportunity to make important decisions based on the favorable credit terms.
ISSN:
2181-3906
2025
International scientific journal
«MODERN
SCIENCE
АND RESEARCH»
VOLUME 4 / ISSUE 6 / UIF:8.2 / MODERNSCIENCE.UZ
425
This process allows to assess the client's creditworthiness, financial situation, and the
movement of money loans. The final process is the formalization process of the loan agreement.
As an important part of risk management, the formulation of the payment schedule and
the summary of its continuous monitoring are considered. This process takes into account
operational credit monitoring. The purpose of his work is to find ways to make hard loans.
It is reported that there are many cases of non-payment, delays and delays in the period of
the received loans. Among its important reasons, the following can be included:
- collection of accounts receivable; low liquidity coefficient;
- purchase of sales volume; operational damage; the excessive accumulation of reserves
is also maintained;
- management of important clients, ability of business partners to take out loans,
avoidance of contacts with the bank, cancellation or delay of the required notifications, etc.
Factors that mitigate risks include:
- assessment of the client's creditworthiness (prevention measures, risk prevention;
- the size of the debt and the level of potential dependence;
- joint financing of the project, financing due to small debts of one party; the fact that the
management of the enterprise is working with hard loans;
- protection of the acknowledgments agreed in the contract (notice provision, provision,
fines, fall payment); monitoring of the working conditions of the employees (economic analysis
department, safety department, etc.);
- cases of remaining legally responsible, etc. Actions aimed at reducing credit risk
(minimal consequences, damages):
- diversification of credit portfolio;
- modeling of alternative cash flows;
- the exact amount of loans given to one client;
- providing discounted loans; - it is possible to enter the sale of debts to this person with
deductions.
The following factors can be included in the business factors of risk mitigation:
assessment of the client's creditworthiness (preventive actions, risk prevention; limits of the
borrower's representativeness depending on the size of the loan and the degree of potential
dependence; joint financing of the location, a loan based on the small amounts of separate debts)
should be trained in the management of the company completeness of loan processing; provision
of contractual obligations (information provision, security, fines, late payments); employment
status of employees (economic analysis department, security department, etc.); legal liability
status e.t.c.
Actions aimed at reducing credit risk (minimum consequences, damages): diversification
of credit portfolio; modeling of alternative cash flows; the exact amount of loans given to one
client; providing discounted loans; Debts can be sold with discounts to this individual.
The practical actions of improving the creditworthiness of the banks, the changes
occurring in the financial situation of the bank are determined based on the results.
ISSN:
2181-3906
2025
International scientific journal
«MODERN
SCIENCE
АND RESEARCH»
VOLUME 4 / ISSUE 6 / UIF:8.2 / MODERNSCIENCE.UZ
426
In other words, the jobs defined in the companies that are able to pay, and the jobs that
are defined in the companies that are not able to pay, and are not financially stable, are sharply
separated. If one of them tries to maintain financial stability, the other one starts to try to get rid
of it.
Some of the most important ways to apply for bankruptcy or creditworthiness include the
following:
Assets and liabilities of banks are reviewed. How can you understand its content?
In order to accelerate the turnover of liquid funds in factories, the write-off of excess
current assets, the addition of surplus and intangible assets to the line of current funds due to the
necessity of production (it can be sold, destroyed, write-off in other ways), the write-off of
receivables and payables (in types), short All long-term financial investments are targeted.
Due to the negative correlation between the debts of the debtor and the debts of the
debtor, it is not due to the bankruptcy of the financial situation, but it should be traced back to
the generations of the management of the production. In other words, there is a lack of sales, an
increase in production costs, and an improper pricing policy.
In case of lack of funds, business opportunities should be determined in advance. In case
of impunity, asking for a loan from another subject was not economically feasible.
The non-production period of the banks, the balance sheet of the business should be
reduced, stopped, or financed by private loans.
Banks should set strict regulations on money loans and circulation of cash equivalents,
and it should be carried out in a stable manner. In addition, it is necessary to draw up a clear
procedure for the use of funds for debt settlement.
Due to the possibility of accelerating the circulation of funds, it is necessary to pay more
attention to the modern forms of accounting books, which are used, stopped, and so on.
It is necessary to pay attention to the investment activity of the banks in order to ensure
the creditworthiness of the banks. Investment activity - this borrowing has sharply reduced its
repayment.
It is said that one of the reasons for the increase in the creditworthiness of the factories is
due to the focus on the amount of short-term loans. In this case, the surplus of current assets
disrupts the status quo and leads to bankruptcy. Even in a few cases, it gradually increases.
By the way, one of the most important ways of improving the creditworthiness of
companies is to use the acknowledgments in the various accounts. It is not enough to add
business thanks to the list of company thanks. However, the payment allows for a significant
increase in sensitivity.
References
1.
Джонс Э. Деловые финансы/ Пер. с англ / Э. Джонс. М.: Олимп-бизнес, 1998. 416 с.;
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Мирзаев Ф.И. Молиявий рискларнинг турлари, таснифи, бошқариш ва баҳолаш
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Юсупова О.А. (2016). Организация администрирования проблемной задолженности
в кредитном портфеле коммерческого банка. Финансовая аналитика: проблемы и
решения, (10 (292)), 54-66.
ISSN:
2181-3906
2025
International scientific journal
«MODERN
SCIENCE
АND RESEARCH»
VOLUME 4 / ISSUE 6 / UIF:8.2 / MODERNSCIENCE.UZ
427
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Published June 9, 2024 | Version v1
