WAYS TO IMPROVE THE EFFICIENCY OF USING FOREIGN CREDIT LINES THROUGH COMMERCIAL BANKS

Abstract

This article analyzes the efficiency of foreign credit line utilization through commercial banks and explores the economic mechanisms for its improvement. The study examines the role of commercial banks as financial intermediaries in channeling external financial resources into key sectors of the economy. Particular attention is given to factors affecting efficiency, including credit portfolio quality, project selection, risk management, and monitoring systems. The research also evaluates the current practices of commercial banks in Uzbekistan and provides a comparative analysis based on international experience. The findings indicate that the effective use of foreign credit lines depends on strategic allocation, strong institutional capacity, and welldeveloped risk management frameworks. The article concludes with practical recommendations aimed at enhancing the efficiency of foreign credit utilization through commercial banks.