TY JOUR TI Commercial Bank's Credit Policy: theoretical foundations, strategic priorities, and the role of digitalization in risk management KW credit policy KW commercial bank KW macroeconomic factors KW regional factors KW legal factors KW microeconomic factors KW personnel policy KW regulation JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Iskandarova, R.R. PY 2024 IS 0 PB ITBO University