Vol. 1 No. 8 (2026), Articles
Vol. 1 No. 8 (2026)

DEBT BURDEN ASSESSMENT SYSTEM IN CONSUMER LENDING BY COMMERCIAL BANKS

Articles
Published 2026-08-31
JUMAYEV AZAMAT
Researcher of the Tashkent International University
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Keywords

commercial bank, consumer lending, debt burden, DSTI, DTI, LTV, credit scoring, macroprudential policy, over-indebtedness, credit bureau, digital lending, Republic of Uzbekistan.

How to Cite

JUMAYEV AZAMAT. (2026). DEBT BURDEN ASSESSMENT SYSTEM IN CONSUMER LENDING BY COMMERCIAL BANKS. WORLD INTERNATIONAL CONFERENCE ON SCIENCE, TECHNOLOGY AND EDUCATION, 1(8), 99-105. https://doi.org/10.5281/zenodo.22257352
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Abstract

The thesis systematises the modern theoretical and applied approaches to the assessment of the debt burden of individual borrowers in the consumer lending activities of commercial banks. Debt burden is treated as a multidimensional category combining income-based indicators (Debt-Service-to-Income ratio, Debt-to-Income ratio), asset-based indicators (Loan-to-Value ratio) and behavioural indicators (credit-bureau scoring, payment history, digital footprint). Drawing on the works of Mian and Sufi, Bhutta and Keys, Agarwal, Chomsisengphet and Liu, Campbell and Cocco, Dynan and Kohn, IMF and Bank for International Settlements documents, the paper distinguishes four generations of debt-burden assessment tools and identifies their comparative advantages. A summary table of the four generations is presented. The paper concludes that a modern debt-burden assessment system must synthesise income-based, asset-based, behavioural and macroprudential indicators within an integrated framework supported by credit-bureau data and real-time analytics, adapted to the specific institutional environment of the Republic of Uzbekistan.

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