PRIORITY DIRECTIONS OF PROVIDING FINANCIAL STABILITY OF COMMERCIAL BANKS IN THE CAPITAL MARKET

Аннотация

INTRODUCTION of the main goals. In this process, ensuring the The role of commercial banks is important in the financial stability of commercial banks, modernization of economic sectors, the positive coordinating the corporate management policy in resolution of issues related to the financing of large accordance with the changes in the external production enterprises, and the organization of environment, developing relations with the capital financial activities of corporate structures. It market in the formation of additional sources of should be noted separately that in recent years financial support is one of the urgent issues. In the significant work has been carried out in field of scientific activity of our country, scientific comprehensive development of commercial banks, research is being carried out to improve the activity acceleration of transformation processes in banks, of commercial banks and develop its special reduction of state participation in their authorized directions and fields. Based on the above, it should capital. Of course, in these processes, it is important be noted that the development of scientific to regulate the activities of commercial banks in the proposals and practical recommendations for state, to improve regulatory documents based on ensuring the financial stability of commercial international standards. banks is considered one of the important tasks in In the Development Strategy of New Uzbekistan for the development of the financial sector of the 2022-2026, "completing transformation processes economy. in commercial banks with a state share and Review of literature bringing the private sector's share in bank assets up to 60% by the end of 2026"[1] is defined as one Financial stability of commercial banks is one of the https://www.theamericanjournals.com/index.php/tajmei 114 THE USA JOURNALS THE AMERICAN JOURNAL OF MANAGEMENT AND ECONOMICS INNOVATIONS (ISSN- 2693-0811) VOLUME 06 ISSUE08 main components of their successful operation. innovations in ensuring the stability of commercial Ensuring the financial stability of banks is an banks. Significant fluctuations in interest rates are important factor not only for the bank itself but an important economic factor that directly and also for the financial system of the entire country. strongly affects changes in demand for new To find ways to study, analyze and improve the financial products" [5]. Russian economist E.L. effectiveness of this topic, several scientists have Zernova emphasized that the strategy of managing conducted research. bank operations in the conditions of instability or crisis together with the elements of financial According to O. B. Salomov, one of the scientists of stability can guarantee the uninterrupted our country, said "the financial stability of operation of the bank in the region [6]. According commercial banks is the ability to withstand the to V. Biloposhka, central banks such as financial negative consequences of the internal and external institutions play an extraordinary role in ensuring environment by strengthening its position in the the country's financial stability. The role of central market of banking services while ensuring the banks in ensuring overall financial stability is to positive state of its financial indicators and prevent the spread of systemic instability in the activities in the process of making a profit" [2]. The banking sector to the entire financial sector and to capacity of commercial banks to provide ensure positive socio-economic consequences for investment loans is primarily determined by the the entire country [7]. adequacy of their resource base. The first part of the resource base of commercial banks of our In her research, Lucy found that public trust in country consists of capital, and the second part banks is related to industry-level financial stability consists of deposits. In recent years, commercial indicators, and that bank-level risk measures play banks have tended to increase both capital bases only a minimal or at best an additional role. He and deposit bases. It is worth noting that, although stated that this result reveals the important role of deposits in commercial banks of our republic have the overall stability of the banking sector in a general growth trend, their base should be determining the public's perception of the safety further strengthened at the expense of long-term and soundness of individual banks, and justifies the deposits [3]. Bank liquidity refers to the bank's leading role of industry-level stability in ensuring ability to quickly and with minimal costs turn its trust in banks [8]. Y. Rizki emphasized the assets into cash to fulfill its obligations. If the importance for financial sector regulators to liquidity situation of commercial banks is not understand the relationship between financial effectively managed, if a practical action plan is not technology (FinTech) and financial stability. He developed in case of emergenc