WAYS TO IMPROVE THE FORMATION AND MANAGEMENT OF THE DEPOSIT BASE OF COMMERCIAL BANKS

Аннотация

This article today's that day world finance system and economic progress banking and financial processes institutions role, commercial banks deposit base their main financial funds, commercial banks deposit base formation and manage improvement in accordance with theoretical basis coverage, current situation analysis to do and modern approaches based on improvingtheway​ working Exit in particular theword goes. Keywords :deposit, bank , finance, commerce banks, financial funds, Keynes, Schumpeter, Friedman, Markowitz,resources. ENTRANCE Today that day world finance system and economic progress banking and financial processes institutions role more and more increases continues. Especially commercial banks country internal economic stability, financial intermediation provide and investments environment information main of institutions one is considered. Their effective activity not only financial resources collect and redirect, perhaps population and entrepreneurship items trust to win, their economic to activity attraction grow tool is also important as importance profession will reach. In particular, trade banks deposit base their main financial foundation organization makes. Deposit funds size and composition of banks liquidity, solvency right to receive credit opportunities and general financial to stability directly influence shows. Therefore deposit base formation and he / she effective management each what type of banking activity strategic priorityof directions oneis considered. Uzbekistan Republic President under the leadership take ongoing economic reforms, especially banking and finance sector liberalization and competitiveness increase in accordance with the appointed measures deposit policy fundamentally again seeing the exit, available problems definition and their modern approaches based on the decision to make the requirement makes. The population increases the going income, entrepreneurship subjects activity expanding also increases, and banking services was to require to increase in the background deposit base to develop prospects expands. With this together, in practice this concerning one row of problems is available: banks between strong competition, interest rates imbalance of population trust enough financial low literacy level to be such as factors deposit funds attraction in this obstacle occurs situations to the essence enters. This problem solution to grow and deep scientific and analytical approach andmodern management mechanisms current is required. In this case, this scientific article main objective is commercial banks deposit base formation and management improvement according to theoretical basis coverage, current situation analysis to do and modern approaches based on improvement way​ working with output page488 INTERNATIONAL JOURNAL OF ARTIFICIAL INTELLIGENCE ISSN:2692-5206,ImpactFactor:12,23 AmericanAcademicpublishers,volume05,issue04,2025 Journal: https://www.academicpublishers.org/journals/index.php/ijai consists of. This to the goal to achieve for the following main task by assigning received: first, deposit base economic entity and his/her commerce banks in the activity instead of determine; secondly, Uzbekistan commerce in banks deposit policy current status analysis to do; thirdly, there are problems definition and their causes on the surface deep analysis transmission; fourth, advanced international experiments based on deposit base management innovative methods proposal to grow; and finally, fifth, deposit policy improvement according to clear, practical importancehas was proposal and recommendations working output The study of the theoretical basis of the deposit base and banking resources with the associated was the economic concept, classic and modern banking theories, liquidity and financial stability concept organization will achieve. In particular, such as Keynes, Schumpeter, Friedman, Markowitz famous economists in his works financial resources efficient distribution and economic confidence environment creation of the banking system to stability the main factor as can be seen. Also, international financial institutions - International currency such as the IMF, World Bank, Bank for International Settlements organizations to the announcement made recommendations and statistics information research theoretical and empirical basis enriches. Practical from the point of view and this article Uzbekistan Republic commerce real activity of banks, statistics of the Central Bank, available regulatory documents, analytical reports and banking experts on your comments is based on. In the study banks in the activity of modern problems analysis will be made deposit policy itself typical aspects are determined and modern financial management technology application is assessed. Thanks to this deposit base formation and manage improvement for scientific based on practice application possible was mechanisms working released. To study the object as commerce banks financial resour