FEATURES OF UNDERWRITING IN THE PROCESS OF IN THE LENDING IN COMMERCIAL BANKS

Authors

  • Bobojonov Khursand Kadamovich "IPOTEKA-BANK" OTP GROUP, Senior manager, Uzbekistan

Keywords:

Banking, underwriting, creditworthiness, risk

Abstract

It is necessary to create a complete understanding of the minimization of the risks of commercial banks in the provision of credit services and to analyze them on the basis of the underwriting system, to determine ways to reduce the level of riskiness of commercial banks and to reduce the amount of NPL loans in the loan portfolio. Underwriting consists of assessing the creditworthiness of a borrower, that is, an individual or a legal entity, analyzing credit risk and making a decision . In this report, the specific features of using underwriting in the digital lending processes in commercial banks in our republic are explained.

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References

Credit score, credit score, score, rating [Electronic resource]//–sprav.-inform.portal.–Electronic. Danny - M., 2016. - URL: http://allcred.ru/articles/kreditnyj_skoring.html

Information from the website http://www. info@infokredit.uz or @katm_uz was used.

What is a Good Credit Score Rating? [ Electronic resource ] // - Electronic. Danny - M., 2016 . - URL: http://www.moolanomy.com/1805/what-is-a-good-credit-score/

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Published

2025-07-30

How to Cite

Bobojonov Khursand Kadamovich. (2025). FEATURES OF UNDERWRITING IN THE PROCESS OF IN THE LENDING IN COMMERCIAL BANKS. International Scientific and Current Research Conferences, 1(01), 199–202. Retrieved from https://orientalpublication.com/index.php/iscrc/article/view/1961

Issue

2025: CULTURAL DIVERSITY AND INCLUSION IN A GLOBALIZED WORLD

Section

Articles

License

Copyright (c) 2025 Bobojonov Khursand Kadamovich

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