Publication Details
Abstract
This article examines the current trends in bank lending practices in Uzbekistan and identifies opportunities for their further improvement. The study analyzes the dynamics and structure of bank lending, changes in lending volumes, the development of retail and corporate lending, as well as the impact of digital technologies on the organization of credit processes. Particular attention is paid to improving borrowers’ creditworthiness assessment, strengthening credit risk management, expanding digital lending services, and enhancing the quality of banks’ credit portfolios. The study also considers the importance of diversifying lending by economic sectors, improving the maturity structure of loans, and increasing the efficiency of risk-based approaches to credit decision-making. Based on the analysis, the article develops practical recommendations aimed at improving the efficiency and accessibility of bank lending in Uzbekistan, reducing credit risks, and ensuring the sustainable development of the banking sector.