KEY DIRECTIONS FOR IMPLEMENTING ESG-BASED CREDIT POLICY IN BANKS

This thesis examines the key directions for implementing ESG (Environmental, Social and Governance)-based credit policy in banks. The experience of foreign countries and the opportunities available to Uzbekistan's banking sector have been analyzed. Effective approaches to integrating ESG criteria into the credit process and practical recommendations are presented.本论文探讨了银行实施基于ESG（Environmental, Social and Governance）的信贷政策的关键方向。本文分析了国际实践经验以及乌兹别克斯坦银行业所具备的发展机遇，并提出了将ESG标准融入信贷流程的有效路径与实操建议。