IMPLEMENTATION OF A CREDIT POLICY BASED ON ESG PRINCIPLES IN BANKS
Keywords:
ESG, credit policy, banking sustainability, credit risk, Uzbekistan, green financeAbstract
This article examines the implementation of ESG-based credit policy in commercial banks as an integral component of modern risk management and sustainable finance. It analyzes institutional mechanisms for integrating environmental, social, and governance factors into credit decision-making, emphasizing regulatory drivers, risk mitigation effects, and long-term value creation. Using empirical facts from international banking practice and selected data relevant to Uzbekistan’s financial sector, the study demonstrates how ESG-oriented credit frameworks influence portfolio quality, stability, and strategic alignment with sustainable development objectives.
Downloads
References
Raxmonqulova, N. O. (2025). HUDUDLAR IQTISODIYOTIDAGI MUHIM TARKIBIY O ‘ZGARISHLAR VA ULARNI BAHOLASH USULLARI (BUXORO VILOYATI MISOLIDA). YANGI RENESSANSDA ILM-FAN TARAQQIYOTI, 1(3), 525-527.
Toshov, M. H., & Bobojonova, M. D. (2025). RAQAMLI IQTISODIYOTNI SHAKLLANTIRISH. Modern Science and Research, 4(4), 622-628.
Алимова, Ш. А. (2025). РОЛЬ НАЛОГОВОЙ ПОЛИТИКИ В СТИМУЛИРОВАНИИ РЕГИОНАЛЬНОГО РАЗВИТИЯ: ОПЫТ УЗБЕКИСТАНА. Modern Science and Research, 4(5), 52-57.
Sodiqova, N. (2025). METHODOLOGY FOR DEVELOPING STUDENTS'TECHNICAL THINKING IN ECONOMICS LESSONS. Journal of Multidisciplinary Sciences and Innovations, 1(3), 674-678.
Supiyevna, B. M. (2025). FOREIGN EXPERIENCE OF BANK CREDIT IN FINANCIAL SUPPORT OF SMALL BUSINESSES. NEW UZBEKISTAN, NEW JOURNAL OF RESEARCH, 2(9), 715-721.
Mahmudovna, Q. G. (2025). Indicators for assessing the competitiveness of educational institutions. Multidisciplinary Journal of Science and Technology, 5(6), 1956-1959.
Qayumovna, J. Z., Ne’matovna, R. N., & Azizovna, P. A. FAVORABLE INVESTMENT CLIMATE FORMATION ISSUES FOR ATTRACTING ACTIVE INVESTMETNS. GWALIOR MANAGEMENT ACADEMY, 29.
Bahodirovich, K. B., & Mahmudovna, Q. G. (2025). RISK REGULATION IN BANKING SYSTEM. MODERN EDUCATIONAL SYSTEM AND INNOVATIVE TEACHING SOLUTIONS, 1(5), 231-237.
Shadiyev, A. X. (2025). IMPROVING THE ORGANIZATIONAL MECHANISM FOR REGIONAL SOCIO-ECONOMIC DEVELOPMENT. SHOKH LIBRARY.
Ikromov, E. (2025). FISCAL POLICY: TOOLS AND CHALLENGES FOR ECONOMIC STABILIZATION. Journal of Applied Science and Social Science, 1(4), 287-290.
Azimov, B. (2025). INNOVATIVE INFRASTRUCTURE EFFICIENCY ASSESSMENT INDICATORS AND THEIR DEVELOPMENT STAGES. International Journal of Artificial Intelligence, 1(4), 827-832.
Bustanovna, J. Z. (2025). METHODOLOGY FOR ASSESSING THE EFFECTIVENESS OF AN ORGANIZATION'S MARKETING STRATEGY. SHOKH LIBRARY.
Naimova, N. (2025). THE CONCEPT OF A MANAGER, THE ESSENCE OF PERSONAL AND PROFESSIONAL CHARACTERISTICS, AND THEIR CLASSIFICATION. International Journal of Artificial Intelligence, 1(4), 950-954.
Bobojonova, M. (2025). MARKETING IN THE GREEN ECONOMY: STRATEGIES, TRENDS, AND IMPACTS. International Journal of Artificial Intelligence, 1(4), 1401-1404.
Ibragimov, A. (2025). IMPROVING INVESTMENT AND INNOVATION STRATEGIES IN THE LEATHER AND FUR INDUSTRY. International Journal of Artificial Intelligence, 1(4), 938-941.
Djurayeva, M. (2025). ADVANCING COMMERCIAL BANKING THROUGH INNOVATIVE APPROACHES. International Journal of Artificial Intelligence, 1(4), 1125-1128.
Umarova, H. (2025). PROCESSES TO IMPROVE LIVING CONDITIONS AND ENSURE EMPLOYMENT OF THE POPULATION IN RURAL AREAS IN UZBEKISTAN. Journal of Applied Science and Social Science, 1(3), 213-217.
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution 4.0 International License.
All content published in the Journal of Applied Science and Social Science (JASSS) is protected by copyright. Authors retain the copyright to their work, and grant JASSS the right to publish the work under a Creative Commons Attribution License (CC BY). This license allows others to distribute, remix, adapt, and build upon the work, even commercially, as long as they credit the author(s) for the original creation.
