AKSIYADORLIK TIJORAT BANKLARDA RISKLARNI SAMARALI BOSHQARISH VA KAMAYTIRISH YO‘LLARINI ISHLAB CHIQISH

Аннотация

This article systematically analyzes the main types of financial and non- financial risks that may occur in joint-stock commercial banks. In particular, credit risk, liquidity risk, market risk, operational and legal risks and their negative impact on the efficiency of banking activities are studied in depth. At the same time, the article covers the theoretical foundations and international experience of mechanisms for identifying risks, their correct assessment and effective management. In particular, the modernization of the risk management system based on the international standards of Basel II and Basel III, the possibilities of monitoring risks using modern digital technologies are widely covered. Also, the article analyzes the existing problems, the level of effectiveness of internal control and audit systems, and the weaknesses of risk management policies based on the practice of commercial banks of Uzbekistan, and provides specific practical proposals and recommendations for their elimination. This article may be useful for specialists working in the banking sector, researchers, and parties interested in reforms aimed at increasing financial stability. Keywords: Risk, risk management, commercial bank, credit risk, liquidity risk, market risk, operational risk, legal risk, Basel standards, financial stability, internal control system, 2 88 International scientific journal ISSN: 2181-3906 «MODERN SCIENCE АND RESEARCH» 2025 VOLUME 4 / ISSUE 5 / UIF:8.2 / MODERNSCIENCE.UZ audit, bank capital, risk management policy, international financial reporting standards, automated monitoring, bank security, risk diversification.