BANKING SYSTEM AND LENDING

Authors

  • Davlatboyev Sheroz Azamatovich Student of the faculty of finance and financial technologies of tashkent state university of economics

Keywords:

Banking system, lending, credit policies, loan accessibility, risk management, financial institutions, economic development.

Abstract

This article examines the banking system and lending practices, focusing on the mechanisms, challenges, and strategies that financial institutions use to provide loans. It analyzes the role of banks in economic development, the impact of credit policies on both individuals and businesses, and the factors influencing loan accessibility and repayment. The article also explores risk management, regulatory frameworks, and innovations in lending, aiming to provide insights for improving banking efficiency and customer satisfaction.

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References

Allen, F., & Santomero, A. M. The Theory of Financial Intermediation. Journal of Banking & Finance, 1998.

Berger, A. N., & Udell, G. F. Relationship Lending and Lines of Credit in Small Firm Finance. Journal of Business, 1995.

Mishkin, F. S. The Economics of Money, Banking, and Financial Markets. Pearson, 2015.

Saunders, A., & Cornett, M. M. Financial Institutions Management: A Risk Management Approach. McGraw-Hill, 2018.

Boot, A. W. A. Relationship Banking: What Do We Know? Journal of Financial Intermediation, 2000.

Laeven, L., & Levine, R. Bank Governance, Regulation and Risk Taking. Journal of Financial Economics, 2009.

Caprio, G., & Klingebiel, D. Bank Insolvencies: Cross-Country Experience. Policy Research Working Paper, World Bank, 1996.

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Published

2025-12-09

How to Cite

Davlatboyev Sheroz Azamatovich. (2025). BANKING SYSTEM AND LENDING. Journal of Applied Science and Social Science, 15(12), 251–256. Retrieved from https://www.internationaljournal.co.in/index.php/jasass/article/view/2572

Issue

Vol. 15 No. 12 (2025): Volume 15 Issue 12

Section

Articles

License

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