FOREIGN EXPERIENCE AND PECULIARITIES OF RETAIL LENDING IN COMMERCIAL BANKS.

  • Ch.B. Nazarova Independent researcher of Tashkent Institute of Finance
DOI: https://doi.org/10.51699/cajitmf.v4i7.542
Keywords: bank loans, retail credit, problem loans, bank assets, credit provision, consumer credit, housing loan, mortgage loan, car loan, pledge, guarantee, surety, insurance policy.

Abstract

In the world, commercial banks pay special attention to scientific research aimed at improving the quality of retail lending, modernizing retail lending mechanisms, applying innovations in retail lending, and increasing lending efficiency. Using modern models to determine the creditworthiness of bank customers, increasing lending opportunities and reducing problem loans by introducing the credit-scoring method, paying fines to the borrower bank for overdue payments when overdue amounts on retail loans appear, determining interest rates for retail loans in international practice Scientific research is being conducted in areas such as the use of widely used methods.

References

1. Luminiţa Cernenco, Marilena Pieleanu Lazarenco Some hints on individual lending and different factors affecting.
2. Orazio Attanasio, Britta Augsburg, Ralph De Haas, Emla Fitzsimons, Heike Harmgart Group lending or individual lending? Evidence from a randomized field experiment in Mongolia. MPRA Paper No. 35439, posted 16 Dec 2011 23:37 UTC.
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Websites:
1. https://group.bnpparibas/en/
2. https://www.hsbc.com/
3. https://www.bancosantander.es/particulares
4. https://www.pnbindia.in/
5. https://www.onlinesbi.sbi/
Published
2023-07-06
How to Cite
Ch.B. Nazarova. (2023). FOREIGN EXPERIENCE AND PECULIARITIES OF RETAIL LENDING IN COMMERCIAL BANKS. Central Asian Journal of Innovations on Tourism Management and Finance, 4(7), 10-18. https://doi.org/10.51699/cajitmf.v4i7.542
Issue
Vol. 4 No. 7 (2023): July 2023
Section
Articles

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