Abstrak
Ushbu tadqiqotning natijalari moliya sektoridan tashqariga chiqib, siyosatchilar, moliya institutlari va iqtisodiy tahlilchilarga tushuncha beradi. Muammoli kreditlar va bank operatsion samaradorligi o‘rtasidagi o‘zaro bog‘liqlikni chuqurroq tushunish risklarni boshqarish bo‘yicha yaxshiroq amaliyotlarni xabardor qilish, moliyaviy barqarorlikni mustahkamlash va barqaror iqtisodiy rivojlanishni rag‘batlantirish potentsialiga ega. Ushbu tadqiqot banklarning barqarorligi va samaradorligini oshirish va shu orqali umumiy iqtisodiy farovonlikka hissa qo‘shishda muammoli kreditlarni bartaraf etishning muhim rolini tahlil qiladi.
Bibliografik manbalar
Almir Alihodzic, Ibrahim Halil Eksi (2018), “Credit growth and non-performing loans: evidence from Turkey and some Balkan countries” Eastern journal of European studies Volume 9, Issue 2, pp. 229-249.
Alton, R.G. and Hazen, J.H. (2001), “As economy flounders, do we see a rise in problem loans”, Federal Reserve Bank of St. Louis, Vol. 11 No. 4, pp. 45-65
Antoshin, S., Arena, M., Gueorguiev, N., Lybek, T., Ralyea, J. and Yehoue, E. (2017), Credit Growth and Economic Recovery in Europe After the Global Financial Crisis, IMF Working Paper, No. WP/17/256, International Monetary Fund, Washington, D.C.
Beck, R., Jakubik, P., & Piloiu, A. (2015), “Key determinants of non-performing loans: new evidence from a global sample”, Open Economies Review, Vol. 26 No. 3, pp. 525-550.
Berger, A.N. and DeYoung, R. (1997), “Problem loans and cost efficiency in commercial banks”, Journal of Banking and Finance, Vol. 21, pp. 1-28.
Demirgüç-Kunt, A., & Huizinga, H. (2000), “Financial structure and bank profitability”, World Bank Policy Research, Working Paper, 2430. World Bank Mimeo.
Eric Jing (2020) “Impact of high non-performing loan ratios on banking lending trends and profitability” Int. journal of financial studies 8-12.
Frederic S. Mishkin “The economics of money, banking, and financial markets” 4th Canadian edition, p. 5.
Hancock D., (1989) Bank profitability, deregulation, and the production of financial services, pp. 89-16.
International Monetary Fund. Financial Soundness Indicators: Compilation Guide; International Monetary Fund: Washington, DC, USA, 2006; ISBN 978-1-58906-385-3.
Jewell and Mankin (2012). What is your ROA? An investigation of the many formulas for calculating return on assets. Academy of educational leadership journal, Volume 15, Special issue 2011, 79-91.
Jiménez, G., Ongena, S., Peydró, J. L., Saurina, J. (2017) Macroprudential policy, countercyclical bank capital buffers, and credit supply: evidence from the Spanish dynamic provisioning experiments. Journal of Political Economy, 125(6), 2126-2177
Karim R., Roshid M, Shamme F.B., Hasan M. (2022), Non-performing loans and bank profitability: Evidence from Bangladesh, International Journal of finance and banking studies 11(4), pp. 95-102.
Kenneth R. Szulczyk “Money, banking, and international finance” 2th editon, p.26
Khalil Alnabulsi, Emira Kozarevic, Abdelaziz Hakimi “Non-performing loans as a driver of banking distress: a systematic literature review” Commodities 2023, 2, p. 111-130.
Krueger, R. International Standards for Impairment and Provisions and Their Implications for Financial Soundness Indicators (FSIs); International Monetary Fund: Washington, DC, USA, 2002.
Moorad Choudhry “An introduction to banking principles, strategy and risk management” 2th edition, p. 16.
Nuraini Y., (2019) Competition and bank profitability, Journal of economic structures, 8:31.
Oxford Business English Dictionary, p.366
Oxford Dictionary of Finance & Banking 3rd edition, 2005, p.285
Patrizia B. and Hyuncheol Y. (2017), “Resolution of non-performing loans - policy options”, FSI Insights on policy implementation, No.3, Financial Stability Institute, Bank of International Settlement, Working Paper. October, Brussels.
Peterson K.Ozili, 2019, Non-performing loans and financial development: New evidence, The Journal of risk finance.
Souza, G.J.D.G. and Feijo, C.A. (2011), “Credit risk and macroeconomic interactions: empirical evidence from the Brazilian banking system”, Modern Economy, Vol. 2 No. 5, pp. 910-929, doi: 10.4236/ me.2011.25102.
Tecles, P. L., & Tabak, B. M. (2010), “Determinants of bank efficiency: The case of Brazil”, European Journal of Operational Research, Vol. 207 No.3, pp. 1587-1598.
TengTeng Xu, Kun Hu, and Udaibir S. Das; (2019) Bank Profitability and Financial Stability, IMF Working Paper WP/19/5.
Ugo A., Leonardo G., (2009) Bank profitability and the business cycle, Journal of Financial Stability 5 pp. 393–409.
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Copyright (c) 2023 Iqtisodiyot va taʼlim