In the monograph, the lending mechanism during the transformation of commercial banks was studied, correlation-regression analyzes were carried out, and the lending mechanism was improved based on methodological analysis. As a practical result of improving the lending mechanism of commercial banks, it has been shown that it has a positive effect on the increase of the country's GDP, the increase in the income of the population, and the increase in the level of employment of the population.From the monograph, employees of commercial banks of the Republic of Uzbekistan in developing credit policy, improving the lending mechanism, and researchers in their independent scientific research, scientific projects, students of higher educational institutions " Rul and banks ", " Banking ", " They can be used to strengthen the practical basis of such subjects as " Bank risks ", " Management of assets and liabilities of commercial banks "