ЗАРУБЕЖНЫЙ ОПЫТ ОЦЕНКИ РИСКОВ КОММЕРЧЕСКИХ БАНКОВ

Аннотация

In this article, thanks to the study of the banking systems of developed countries, sufficient importance is given to monitoring commercial banks, identifying negative changes in the practice of their activities, as well as scientific improvement of methods for the timely and coordinated application of control actions. Key words: Risk assessment and rapid action systems, CAMEL system, assessment and analysis of financial condition. ЗАРУБЕЖНЫЙ ОПЫТ ОЦЕНКИ РИСКОВ КОММЕРЧЕСКИХ БАНКОВ Аннотация. В данной статье, благодаря изучению банковских систем развитых стран, достаточное значение уделяется осуществлению контроля коммерческих банков, выявлению негативных изменений в практике их деятельности, а также научному совершенствованию методов своевременного и скоординированного применения управляющих воздействий. Ключевые слова: Системы оценки рисков и быстрых действий, система CAMEL, оценка и анализ финансового состояния. In most developed countries, banking systems are objects of increased control and inspection compared to other systems of the economy, because commercial banks are responsible for the protection of the interests of national agencies, commercial enterprises and individuals who are their clients. In that place, the Central Bank defines the future and development strategy of the commercial banks in order to ensure credit operations that meet the requirements of the time. The main goal in the field of the credit system is to provide services to clients in the form of effective credit risk management of the bank, to ensure the financial stability of the banking system, and to develop the economy, which is the main goal of the services of commercial banks. The most effective way to achieve this is the effective management of credit risks. Globalization of economic processes, development of information technology has a significant impact on banking business. Global computerization, the expansion of the network of Internet technologies gave an opportunity to create effective systems for providing accounting services to customers, speeding up accounting and payments, and increasing the control of cash flows. Assisted in the introduction of new banking products. At the same time, these changes led to the diversification of risks in banking activities. In such a situation, the banking offices also introduce new approaches to the assessment and analysis of the financial situation. Necessary changes have occurred in the assessment of the financial stability of banks by supervisory authorities in various countries. They have the following properties: 8 94 International scientific journal ISSN: 2181-3906 «MODERN SCIENCE АND RESEARCH» 2024 VOLUME 3 / ISSUE 3 / UIF:8.2 / MODERNSCIENCE.UZ 1. Currently, the main attention of supervisory authorities is focused on the risks of banking activity. Implementation of standardized assessment of management and internal control quality in control approaches and systems. At the moment, remote monitoring of such factors may not provide sufficient resolution. Therefore, on-site inspections in many countries attract more attention. Uses the practice of holding meetings with the heads of commercial banks. 2. Control organizations are developing statistical models of "high-speed traffic systems". The main purpose of these models is to identify possible problems in the activity of commercial banks and establish effective control to avoid them [1]. In the practice of control work in the USA and European countries, there is a comparison of the methods of assessment of the existing conditions of commercial banks, as well as prediction models, while the rapid action system works. The purpose of such a structure of the control system is to be constantly aware of the organization's activities. In this way, it is possible to influence the problematic areas of the bank's activity and make effective decisions. The special system includes a continuous process, from determining the control period of commercial banks' activities and developing a program for it, to determining the efficiency of its implementation and evaluating the bank's activities in this period. There are necessary similarities in the evaluation systems of the commercial banks of the supervisory authorities of different countries, which mainly include the following: - the possibility of conducting on-site inspections, their frequent conduct and inclusion; - remote control systems; - types and content of reports to be adopted as part of control; - availability of other sources of information; - excellent technical equipment [2]. Risk assessment and rapid action systems have been introduced in various countries since 1980. We can see it in 1-table. 1-table Risk assessment and rapid employability in different countries [1.4] Country and regulatory Systems and year of System type authority introduction ORAP (Organization and Fixation of Risk Prevention 1997 Distance rating system French Banking Commission Actions), 1997 SAABAA Qu