WAYS TO IMPROVE MORTGAGE LOAN RISK MANAGEMENT MECHANISMS IN COMMERCIAL BANKS
DOI:
https://doi.org/10.55640/Keywords:
mortgage loan, commercial banks, credit risk, liquidity risk, risk management, securitization, mortgage market, banking stability, stress testing, digital technologies.Abstract
This scientific article examines the economic essence of mortgage lending risks in commercial banks, their impact on banking system stability, and the existing risk management mechanisms. Based on statistical data and regulatory legal frameworks, the study analyzes the development trends of mortgage lending in Uzbekistan, the growth of mortgage portfolios, and current challenges in the sector. Particular attention is paid to modern methods of reducing credit, liquidity, interest rate, and market risks. Furthermore, scientific proposals and recommendations are developed to improve mortgage risk management systems in commercial banks.
References
1.Law of the Republic of Uzbekistan “On Mortgage”. – Tashkent, 2006.
2.Prudential norms and regulations of the Central Bank of the Republic of Uzbekistan regulating the activities of commercial banks. – Tashkent, 2024.
3.Decree and resolutions of the President of the Republic of Uzbekistan on the development of the housing and mortgage market. – Tashkent, 2020–2025.
4.Central Bank of the Republic of Uzbekistan. Statistical data and annual reports on the activities of the banking system. – Tashkent, 2023–2025.
5.Data of the Ministry of Economy and Finance of the Republic of Uzbekistan. – Tashkent, 2024.
6.Abdullaeva Sh.Z. Bank risks and their management. – Tashkent: Iqtisod-Moliya, 2019.
7.Juraev T., Rakhmonov A. Mechanisms for managing credit risks in commercial banks. // Scientific electronic journal "Economics and innovative technologies", 2023.
8.Khudoykulov S. Prospects for the development of the mortgage lending system in Uzbekistan. // Journal "Finance", 2022.
9.Karimov U. The importance and risks of mortgage loans in the activities of commercial banks. // Journal "Bank-financial services", 2024.
Downloads
Published
Issue
Section
License
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors retain the copyright of their manuscripts, and all Open Access articles are disseminated under the terms of the Creative Commons Attribution License 4.0 (CC-BY), which licenses unrestricted use, distribution, and reproduction in any medium, provided that the original work is appropriately cited. The use of general descriptive names, trade names, trademarks, and so forth in this publication, even if not specifically identified, does not imply that these names are not protected by the relevant laws and regulations.
