ПУТИ СОВЕРШЕНСТВОВАНИЯ ПРУДЕНЦИАЛНЫХ НОРМАТИВОВ УСТАНОВЛЕННЫХ ЦЕНТРАЛНОМ БАНКОМ

Аннотация

This article provides an in-depth analysis of the economic essence of the prudential standards regulating the activities of commercial banks by the Central Bank of the Republic of Uzbekistan, their role in ensuring the stability of the banking system, and the problems in the current system. The study conducted a comparative analysis of the national prudential policy with the Basel III international standards, and assessed the level of implementation of capital adequacy, liquidity, risk-based control, and macroprudential policy in the national system. The analysis revealed that although the main requirements for prudential standards in Uzbekistan are being adapted to international requirements, some indicators (in particular, capital quality, leverage, and the stress-testing system) have not yet been fully implemented. 2 06 International scientific journal ISSN: 2181-3906 «MODERN SCIENCE АND RESEARCH» 2025 VOLUME 4 / ISSUE 10 / UIF:8.2 / MODERNSCIENCE.UZ Therefore, the article puts forward proposals to strengthen the risk-based control system, create a digital prudential monitoring platform, and gradually adapt Basel III standards to national conditions as priority areas for improving the Central Bank's policy. The results of the study are of practical importance for the Central Bank, commercial banks and financial supervisory authorities, as they serve to increase the stability of the banking system, reduce financial risks and strengthen economic security. Keywords: Central Bank, prudential standards, banking system stability, capital adequacy, liquidity ratio, risk-based supervision, Basel III, macroprudential policy, leverage ratio, stress test, financial stability, digital monitoring system, financial risks, control mechanisms.