The Role of Consumer Credit in Banking Services Segments
Keywords:
consumer credit, credit history, solvency, credit portfolio, financial consumption, consumer credit for goods, educational credit, need, welfareAbstract
This article analyses the importance of consumer loans for banking activity, the state of development of this type of activity, the role of consumer loans in improving the welfare of the population of the country, namely, the improvement of the consumer credit system to eliminate the contradiction between the needs of the population and the possibility of their satisfaction by current cash income. The article ends with the author's suggestions and recommendations for the further development of consumer credit.
References
1. On consumer credit. Adopted by the Legislative Assembly on 22 December 2005. It was approved by the Senate on 24 February 2006.
2. Alpatova E.S., Valieva L.M. Evaluation of consumer crediting efficiency in the regional commercial bank (according to the data of LLC ‘KAMCOMBANK’) and improvement of the mechanism of its organisation // Scientific Review. Economic Sciences. 2016. № 2. С. 12-19.
3. I.R.Toimuhammedov “Banking”.Tashkent-2020.
4. Sh.Z.Abdullaeva “Banking”.Tashkent-2017.
5. Statistical Bulletin of the Central Bank. June 2024.
6. Blanchard O. Macroeconomics. Per. from Engl. - M Higher School of Economics, 2010. - С. 92-101.
7. Lavrushin O.I. Bankoe delo. - MOSCOW: KNORUS, 2008. - С. 474.
