Scientific novelty of the research work

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Implementation of the research results.

Scientific novelty of the research work
consists of the following:

the economic content of the categories “credit servicing in commercial
banks”, “bank lending process” has been improved in accordance with the meth-
odological approach as the provision of funds by the bank for a certain period and
under certain conditions in order to meet the financial needs of the borrower in
convenient conditions based on a certain technology from the point of view
movement of bank loans in the form of a sequence of organizational stages, ex-
pressed in the process and change by the bank of conditions and lending mecha-
nisms;
a proposal to improve the efficiency of credit servicing is substantiated based
on determining suitable lending conditions for each category of clients by segment-
ing bank clients into categories that classify them in a special way according to
their level of creditworthiness;
it was justified to increase the efficiency of credit services through the use of
a specialized credit process for each type of loan and projects and the formation of
a system for pre-periodic assessment of the need for documentation by the credit
committee of a commercial bank;
forecast indicators for increasing the total volume of bank loans until 2028
have been developed based on taking into account the sustainable dynamics of de-
velopment of the credit market of the Republic of Uzbekistan.
Implementation of the research results.
Based on the scientific results ob-
tained on improving the efficiency of credit services in commercial banks:
theoretical and methodological material on improving the economic content
of the categories “credit servicing in commercial banks”, “bank lending process” in
accordance with the methodological approach as the provision of funds by the
bank for a certain period and on certain conditions in order to meet the financial
needs of the borrower in convenient conditions on the basis a certain technology
from the point of view of the movement of bank loans in the form of a sequence of
organizational stages, expressed in the process and change by the bank of the con-
ditions and mechanisms of lending, was used in the preparation of the textbook
“Money and Banks” (Order of the Ministry of Higher and Secondary Specialized
Education of the Republic of Uzbekistan dated June 30, 2020 No. 359 ). As a result
of the introduction of this scientific proposal into practice, the lending process in
commercial banks has been improved, which consists in the provision of funds by
the bank for a certain period and under certain conditions under convenient condi-
tions based on a certain technology, as well as the behavior of the bank, expressed
in changing the conditions and mechanisms of lending, which allowed to expand
theoretical and methodological knowledge about the bank lending process;

53
a proposal to improve the efficiency of credit servicing is justified based on
determining suitable lending conditions for each category of clients by segmenting
bank clients into categories that classify them in a special way according to the
level of creditworthiness used by the Joint-Stock Commercial Bank "Microcredit-
bank" of the Republic of Uzbekistan in drawing up the program "Development of
the activities of commercial banks in 2024-2025” (Reference of the Joint Stock
Commercial Bank of the Republic of Uzbekistan “Microcreditbank” dated May 30,
2024 No. 04-16/15134). The use of this proposal made it possible to create an “ef-
ficiency chain” of appropriate credit services for each group of clients through
segmentation of the bank’s clients;
justified the increase in the efficiency of credit services through the use of a
specialized credit process for each type of loan and projects and the formation of a
system for pre-periodic assessment of the need for documentation by the credit
committee of a commercial bank used in the preparation of the program “Devel-
opment of the activities of commercial banks in 2024-2025” (Reference of the
Joint Stock Commercial Bank of the Republic Uzbekistan "Microcreditbank" dated
May 30, 2024 No. 04-16/15134). The use of this proposal made it possible to sys-
tematize performance assessment indicators based on an analysis of business pro-
cesses occurring in the bank and ensure the growth of the loan portfolio through
new types of credit services.
forecast indicators for the increase in the total volume of bank loans until
2030, based on taking into account the stable dynamics of development of the
credit market of the Republic of Uzbekistan, were used in the development of pro-
grams and “Roadmaps” for the development of the lending system in commercial
banks (Reference of the Joint Stock Commercial Bank of the Republic of Uzbeki-
stan “Microcreditbank” dated May 30, 2024 No. 04-16/15134. The use of these
forecasts made it possible to increase the total amount of deposits in the economy
by 9.5% and the amount of loans allocated to individuals by 19.1%.

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