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@article{ENHANCING PROBLEM LOAN MANAGEMENT IN COMMERCIAL BANKS OF UZBEKISTAN_2026, volume={45}, url={https://americanjournal.org/index.php/ajbmeb/article/view/3402}, abstractNote={ This scientific article examines the issues of improving the mechanisms for managing problem loans in commercial banks of Uzbekistan. The study provides an in-depth analysis of the institutional, macroeconomic and microeconomic factors of the formation of problem loans in the bank’s loan portfolio. Modern methods for early identification, monitoring and effective organization of restructuring processes of problem loans are studied on a scientific basis. Also, advanced mechanisms for managing problem loans based on international banking practice and Basel standards are evaluated, and practical proposals are developed to adapt them to the banking system of Uzbekistan. The results of the study serve to increase the financial stability of commercial banks, reduce credit risks, and ensure the overall efficiency of the banking system. }, journal={American Journal of Business Management, Economics and Banking}, year={2026}, month={Feb.}, pages={80–85} }