Comprehensive Analysis of the Banking Credit Policy: Strategic Framework and Optimization in the Case of Azerbaijan
Comprehensive Analysis of the Banking Credit Policy: Strategic Framework and Optimization in the Case of Azerbaijan

Author(s): Vafa Salman
Subject(s): Politics / Political Sciences, Politics, Economy, National Economy, Economic policy, Financial Markets, Socio-Economic Research
Published by: Университет за национално и световно стопанство (УНСС)
Keywords: credit system; banking sector; credit resources; credit policy; credit technology; risk management; economic development; Azerbaijan banking; financial stability; credit allocation
Summary/Abstract: This paper provides a comprehensive analysis of the key parameters shaping the credit system within banking institutions. By exploring the theoretical foundations of system concepts and applying them to the banking credit framework, the study examines the structural, functional, and strategic aspects of credit systems. It highlights the dynamic interrelations between credit resources and allocations, the integration of credit policy and credit technologies, and the importance of aligning credit operations with macro- and microeconomic factors. Emphasizing the critical role of effective management and regulatory compliance, the paper underscores how a well-organized credit system contributes to economic stability, sustainable growth, and financial sector resilience. The findings also reflect on the specific features of Azerbaijan’s banking sector and offer insights for optimizing credit systems in similar emerging economies.

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