FOREIGN EXPERIENCE OF CLIENT CREDIT ABILITY ASSESSMENT METHODS AND POSSIBILITIES OF ITS USE IN THE NATIONAL BANKING SYSTEM

Abstract

This thesis examines the creditworthiness assessment system of clients, which forms the basis for minimizing credit risks in commercial banks, using the experience of foreign countries as an example. Traditional and modern evaluation models of banks in the USA, Europe, and Japan are analyzed, and their advantages in the context of digital technologies are demonstrated. Scientific and practical proposals have been developed to integrate advanced international practices into the financial market of Uzbekistan.