@article{Tojiev_2021, title={ВОПРОСЫ УПРАВЛЕНИЯ ЛИКВИДНОСТЬЮ КОММЕРЧЕСКИХ БАНКОВ В УЗБЕКИСТАНЕ}, volume={2}, url={https://journal.tsue.uz/index.php/archive/article/view/276}, abstractNote={<p>В статье рассматриваются факторы, влияющие на ликвидность<br>коммерческих банков. Ликвидность банка зависит как от внутренних, так и от<br>внешних факторов, например, от уровня развития рыночных отношений в различных<br>сегментах экономики, от деятельности Центрального банка. Также рациональное<br>распределение ресурсов с точки зрения прибыльности положительно сказывается<br>на финансовой устойчивости банков, в частности, на ликвидности. В то время как<br>низкое качество кредитов, выдаваемых банками, увеличение объема проблемных<br>кредитов отрицательно сказывается на ликвидности банков. В свою очередь, это<br>1-Ш¡ЪБА 1-СЕКЦИЯ 1-SECTION 208<br>TRODUCTION<br>It is known that the activities of commercial<br>banks are mainly focused on making a<br>profit. At the same time, the banking sector<br>performs a number of important functions:<br>lending and supporting population and<br>enterprises, stimulating the accumulation of<br>funds in the national economy, encouraging<br>intermediation in payments, transfers and<br>financial transactions, and efficient allocation<br>of investment resources. As the emergence<br>of complex situations in the banking sector<br>has a negative impact on the overall state<br>of the economy, it should not be allowed<br>to occur.<br>The function of introducing modern<br>principles and mechanisms regulating banking<br>activities, elimination of obstacles to their<br>effective operation have been recorded in<br>the state program on implementation of the<br>Decree of the President of the Republic of<br>Uzbekistan N 4947 from February 7, 2017<br>«On the Strategy of further development of<br>the Republic of Uzbekistan». At the same<br>time, in order to support the banking system<br>of the Republic in the context of the pandemic,<br>the Central Bank’s liquidity regulation<br>operations were carried out primarily by<br>providing the necessary liquidity to commercial<br>banks[1].<br>Therefore, the liquidity of a commercial<br>bank serves as one of the main quality indicators<br>of banking activity, which determines its<br>reliability and stability, and serves as a<br>basis for the credit and banking sector in the<br>economy.<br>LITERATURE REVIEW<br>Researchers differ on the factors that affect<br>the liquidity of commercial banks.<br>According to Zavyalova E.N., many<br>factors affect the liquidity and solvency of<br>a commercial bank, as well as its activities<br>in general, so in order to identify emerging<br>negative liquidity trends, the bank’s financial<br>analysts need to identify the main factors<br>that led to these trends. She emphasizes the<br>importance of analyzing the impact of factors<br>and developing recommendations to change<br>banking policy in order to prevent negative<br>consequences [2].<br>In the research of Rashidov T.M. the main<br>features, factors and types of liquidity of a<br>commercial bank, the economic significance<br>of the concept under study, the relationship<br>between liquidity indicators, profitability and<br>solvency, the recommendations of the Basel<br>Committee were analysed, the importance of<br>commercial bank liquidity management was<br>discussed [3].<br>Shyam Bhati, Anura De Zoysa, Wisuttorn<br>Jitaree have considered the long-term effects<br>of various regulatory, banking-specific<br>and macroeconomic factors on liquidity<br>determination in Indian banks. To this end, in<br>the the authors’ study a regression model in<br>the random effects panel was used and data<br>from Indian banks for 21 years, covering the<br>period from 1996 to 2016 was tested with it.<br>This model examines the impact of regulatory<br>factors, the ratio of cash reserves, and liquidity<br>ratios, noting that Indian banks rely more on<br>asset-based liquidity and less on liability-based<br>liquidity [4].<br>свидетельствует об определенных недостатках кредитной политики банка.<br>При управлении ликвидностью коммерческого банка целесообразно принимать эф-<br>фективные меры по устранению их негативных последствий, делая их объектом<br>постоянного мониторинга.</p>}, number={1}, journal={Архив научных исследований }, author={Tojiev, Rahmatilla}, year={2021}, month={ноя.} }