THE MECHANISM OF THE FORMATION OF THE PRICE OF RETAIL LOANS IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN AND ITS IMPROVEMENT.

Abstract

In the increasingly competitive financial services market, the share of commercial banks in a number of areas of retail business is decreasing. As a competitor to commercial banks, the increase in the volume and turnover of business entities that offer goods and services (housing, cars, household appliances, etc.) on the basis of term payment has a negative impact on the income of banks in the market of retail credit services. Credit efficiency was evaluated based on the average interest rates on deposits and loans of the banks of the Republic of Uzbekistan. Proposals are made regarding the formation of the price of retail loans of commercial banks and the improvement of lending efficiency .