This article explores the current state and existing challenges of credit allocation processes within commercial banks, highlighting their critical role in economic growth and financial stability. In the context of rapidly evolving financial markets, traditional lending methodologies often face limitations regarding risk assessment, operational efficiency, and customer adaptation. The study analyzes the key factors influencing lending efficiency, including credit risk management, the integration of digital technologies, and credit scoring models. Based on the findings, the author proposes comprehensive recommendations aimed at optimizing loan portfolios, mitigating non-performing loans (NPLs), and implementing advanced digital solutions such as artificial intelligence and big data analytics. The practical application of these recommendations can significantly enhance the competitiveness of commercial banks and improve the overall quality of banking services.
O'tkir Yo'ldoshevich Shoymanov (Mon,) studied this question.