Assessing The Effectiveness of Credit Operations in Commercial Banks

Year 2023, Volume: 8 Issue: 1, 75 - 94, 30.03.2023

Yılmaz Ulvi Uzun , Saken Abdıbekov , Adilet Kabulov

Abstract

The generation of the credit system consists of a network of independent banking institutions that directly serve the economy and provide extensive financial services on a commercial basis. These are commercial, cooperative and private banks, which are collectively known as commercial banks in banking law.
At present, the country has created a structure of commercial banks adapted to the local characteristics of the region to provide various types of banking services, working with different groups of clients.
Second-tier banks are ready to provide their clients with about 200 different products and services. Such large-scale operations help commercial banks to support their customers and do profitable work even in adverse conditions.
Banks or financial institutions seek to make a profit by extending credit. It is necessary to properly assess the solvency of the client to reduce the risk of repayment of the loan in full, with accrued interest.

Keywords

Credit, Bank, Interest, Banking, Profit, Kredi, Banka, Faiz, Bankacılık, Kar

Assessing The Effectiveness of Credit Operations in Commercial Banks

Abstract

Kredi sisteminin oluşumu, doğrudan ekonomiye hizmet eden ve ticari temelde kapsamlı finansal hizmetler sunan bağımsız bankacılık kuruluşlarının oluşturduğu bir ağdan oluşmaktadır. Bunlar topluca bankacılık hukukunda ticari bankalar olarak bilinen ticari, kooperatif ve özel bankalardır.
Şu anda ülke, farklı müşteri gruplarıyla çalışan çeşitli bankacılık hizmetleri sağlamak için bölgenin yerel özelliklerine uyarlanmış bir ticari bankalar yapısı oluşturmuştur.
İkinci kademe bankalar, müşterilerine yaklaşık 200 farklı ürün ve hizmet sunmaya hazırdır. Bu tür büyük ölçekli operasyonlar, ticari bankaların müşterilerini desteklemelerine ve olumsuz koşullarda bile karlı işler yapmalarına yardımcı olur.
Bankalar veya finansal kuruluşlar kredi vererek kar elde etmeye çalışırlar. Tahakkuk eden faizle kredinin tamamen geri ödenmesi riskini azaltmak için müşterinin ödeme gücünü uygun şekilde değerlendirmek gerekir.

Keywords

Kredi, Banka, Faiz, Bankacılık, Kar

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