Directions for Enhancing the Efficiency of Commercial Bank Lending to Entrepreneurial Activities

This article examines the lending activities of commercial banks with a particular focus on financing entrepreneurial entities and highlights the significance of bank lending in supporting entrepreneurship. It also identifies and discusses the systemic challenges affecting the efficiency of entrepreneurial lending in Uzbekistan. Furthermore, the study analyzes the return on assets (ROA) and return on equity (ROE) of domestic systemically important commercial banks to assess their financial performance and lending efficiency. Based on the findings, the study develops scientific conclusions and proposes practical recommendations aimed at enhancing the efficiency of commercial bank lending to entrepreneurial activities.