Abstrak
Ushbu maqolada bank kreditlari bo‘yicha garovni baholash bo‘yicha xorijiy tajriba to‘liq tahlil qilingan. AQSh, Germaniya va Buyuk Britaniya misollariga e’tibor qaratib, tadqiqot ushbu mamlakatlarda qabul qilingan turli yondashuv va strategiyalarni ochib beradi. Maqolada baholashning asosiy tamoyillari va usullari, ularning afzalliklari va kamchiliklari, shuningdek, garovni baholash sohasidagi dolzarb muammolar va istiqbollar ko‘rib chiqiladi.
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