TIJORAT BANKLARINING MONETAR SIYOSATGA MOSLASHUVI: KREDIT VA DEPOZIT SIYOSATI TAHLILI

Аннотация

The adaptation of commercial banks to the monetary policy implemented by the Central Bank plays a vital role in ensuring their stable financial operations and effective service to the economy. In the context of monetary policy, commercial banks strive to align their credit and deposit policies with changes in inflation, interest rates, liquidity, and money supply, which becomes a key factor in enhancing their competitiveness. This article analyzes the practice of aligning commercial banks’ credit and deposit policies with the Central Bank’s monetary policy, identifies existing challenges, and proposes practical recommendations. It also highlights the impact of credit and deposit policies on economic stability and outlines strategic directions for commercial banks. Keywords: commercial banks, monetary policy, credit policy, deposit policy, interest rates, inflation, money supply, bank resources, financial stability, competitiveness, economic balance, strategic adaptation.