MODERN APPROACHES TO IMPROVING CREDIT OPERATIONS IN COMMERCIAL BANKS

Abstract

This study examines the contemporary approaches to enhancing credit operations in commercial banks based on international banking practices and academic literature. The research highlights the importance of effective credit policies, advanced risk assessment procedures, efficient credit portfolio management, digital technologies, and continuous monitoring of lending activities. The findings indicate that a comprehensive approach combining sound lending principles, technological innovation, and effective management practices contributes to improving the quality and sustainability of bank credit operations.