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Bank Credit Policy : This year, the Bank's loan portfolio development, in particular, ensuring the bank's compliance with the lending principles in line with the requirements of regulatory acts regulating the credit relations of the Central Bank, efficient management of the loan portfolio, assessing and minimizing the risks arising in the lending process. , identification of activities related to credit monitoring and its cancellation, diversification of credit portfolio and z consists of the sum of the related policy measures.
The main purpose of the Bank's lending policy is to ensure that the available resources are generated by directing the real sector of the economy to loans and balancing operations.
Commercial banks credit policy is produced as a separate document and approved by the Board of the Bank. Each bank credit policy development and implementation of must. Policy development and execution of the responsibility for other members of the Board of Directors and the Board of the bank, bank officials zmmasiga assigned.
The credit policy varies depending on the type and content of the bank.
K Reding policy directions given to the size and shape of the loans , the ratio between short-term and long-term loans , financial information , etc. the right analysis of the process of the loan portfolio, as well as measures to ensure the funds significant attention is paid to the right.
The aim of any policy generally consists of the following: a long-term investment in high-income shareholders in order to maintain liquidity, risk diversification, policies and measures to guarantee the unity of the region to comply with the laws and regulations, credits e x meet the needs.
The strategic directions of lending are determined and approved by the Board of the Bank .
Credit policy is the basis of documentary credit management . Developed and enforced credit policy by İşbank is one of the most effective ways to manage credit . This document defines the terms and conditions of the lending activity of the bank .
The purpose of the Bank's credit policy is to:
- isues related to the definition and formation of the Bank's loan portfolio (types, types of loan repayments, maturity, amount and quality);
- the list of powers, entrusted to the Deputy Chairperson of the Board for the credit activity, the Chairman of the Credit Committee and the Credit Inspector (maximum loan amounts and types);
- total liabilities of the Bank in the field of crediting and provision of information;
- description of the credit review and decision-making system;
- required documents attached to the loan application and a list of the documents kept in the credit (debtor's financial report, loan agreement, pledge, guarantee agreement, etc.);
- detailed information on who is responsible for storage and verification of credit transactions, who and how and in which case;
- basic provisions of credit granting, acceptance, valuation and implementation;
- a description of the principles that determine the quality of all loans;
- setting and displaying the highest credit privileges (ie loan amounts and the highest ratio of bank's total assets);
- the banking sector serves as the main sector of the loan portfolio, the sector, the sector of the economy or sector;
- structure and analysis of problem loans, which show how to deal with problems .
The credit policy of commercial banks is the basis of effective credit management.
The credit policy of each bank is governed by the Constitution of the Republic of Uzbekistan, the Civil Code of the Republic of Uzbekistan, the Law of the Republic of Uzbekistan "On Joint Stock Companies and Protection of Shareholders' Rights", "On Banks and Banking Activity" and other Banking Laws, and the decisions of the Central Bank of the Republic of Uzbekistan, commercial banks, credit policy requirements, on the development of students in accordance with Regulation Ayesha.
Increasing the creditworthiness of commercial banks depends on the quality of their loan portfolio.
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