BANKLARNING KREDIT PORTFELINI OSHIRISHDA XULQ-ATVOR IQTISODIYOTI OMILINI TA'SIRINI BAHOLASH
Keywords:
kredit, qarz yuki, toʿlov qobiliyati, kredit portfel, muommoli kreditlar, xulq- atvor iqtisodiyoti, iste'mol krediti, avtokredit, kreditga layoqatlilik, kredit skoring, kredit tarixiAbstract
Iqtisodiyotning asosiy bo’g’ini bo’lmish bank tizimini yanada rivojlantirish va ayniqsa mamlakatimiz banklarining kredit operatsiyalarini salmog’ini oshirish asosiy vazifalardan biri hisoblanadi. Mamlakatlarning samarali bank tizimi banklarda innovatsiyalarni joriy etish, yangi xizmat turlarini ta’minlash hamda mavjud aktiv va passiv operatsiyalarni takomillashtirish orqali faoliyat olib boradi. 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 va cheklangan miqyosdagi mijozlarni jalb qilishni taqozo etadi. Jahon miqyosida rivojlangan mamakatlar amaliyotida, xususan ularning bank va moliya tizimlarida xulq-atvor iqtisodiyoti oxirgi yillarda keng qo’llanib kelinmoqda. Mazkur maqolada jismoniy shaxslarni keditlash tizimi, kredit skoring tushunchasi, amaldagi respublikamiz banklarining kreditlash tartib qoidalari va to῾lovga layoqatlilikni aniqlash usullari keltirib o῾tilgan.
References
Kahneman, D.; Tversky, A. Intuitive Prediction: Biases and Corrective Procedures; Cambridge University Press (CUP): Cambridge, UK, 1982; pp. 414–421.
Kahneman, D. Thinking, Fast and Slow; Macmillan: New York, NY, USA, 2011.
Özşahin, M.; Yürür, S.; Coşkun, E. A Field Research to Identify Psychological Factors Influencing the Debt Repayment Behavior in Turkey. EMAJ Emerg. Mark. J. 2019, 8, 26–33, doi:10.5195/emaj.2018.156.
Hampson, S.E. Personality processes: Mechanisms by which personality traits “get outside the skin”. Annu. Rev. Psychol. 2012,63, 315–339. Robb, C.A.; Sharpe, D.L. Effect of personal financial knowledge on college students’ credit card behavior. J. Financ. Couns. Plan. 2009, 20, 25–43.
Gathergood, J. Self-control, financial literacy and consumer over-indebtedness. J. Econ. Psychol. 2012, 33, 590–602.
Özşahin, M.; Yürür, S.; Coşkun, E. A Field Research to Identify Psychological Factors Influencing the Debt Repayment Behavior in Turkey. EMAJ Emerg. Mark. J. 2019, 8, 26–33, doi:10.5195/emaj.2018.156.
Davies, S.; Finney, A.; Collard, S.; Trend, L. Borrowing behaviour. In A Systematic Review for the Standard Life Foundation Report; Personal Finance Research Centre, University of Bristol: Bristol, UK, 2019.
Atkinson, A. Measuring Financial Literacy: Results of the OECD INFE Pilot Study [Electronic Resource]; OECD Working Papers on Finance, Insurance and Private Pensions; OECD Publishing: Paris, France, 2012; Available online: https://www.oecd.org/about/ (accessed on 26 March 2021).
