Research Premier

Research Premier

Personal Information
Name	Family Name		Given Name
	Murodov		Abror
Company Name You belong to	Joint-stock Commercial People's Bank Samarkand city branch.	Mobile #		[phone]
Position	Chortut 12,Pastdargom district,Samarkand region,Uzbekistan.	Email		[e-mail]
Research Topic	Risk management in commercial banks.
Research Question	Banking risks: content and reasons; Classification of banking risks; Modern methods of increasing banking risks; Methods of financial risk management; Interest rate risk: management and control; 6. Interest rate management;
Table of Contents	Provide information on the types of bank risk classification; Specific ease of risk management in banks; Disclosure of risk support; Provide a structure for organizing the risk management process in the bank.
1. Research Background & Literatures related with your research topic Biryukova E.S. Improving the risk management system in a diversified commercial bank, diss. Candidate of Economic Sciences. Rostov-on-Don, 2006. .Voloshin I.V. Problems of introduction of risk management in commercial banks, Proceedings of the International November seminar of the Club of Banking Analysts, November 20, 2003, M. 2004. .Vyatkin V.N., Gamza V.A., Yekaterinoslavskiy Yu.Yu. Risk management in a market economy, Moscow: Economics, 2002. .Ermasova N.B. Bank risk management. Saratov, 2006 .Efimova M.P. Financial and Economic Calculations: A Guide for Managers: A Textbook. Benefit. - M. INFRA-M, 2007. .Zaxarova O.V. Development of liquidity management technology in Russian commercial banks // Modern banking technologies: Theoretical foundations and practice: a scientific almanac of fundamental and applied research, Moscow: Finance and Statistics, 2014. .P. P. Kovalev Ways to increase the effectiveness of credit risk management in the commercial bank Avtoref. dis. for work. three. Art. Ph.D. M .: RUDN, 2012 .-- 24p. .Leonovich L.I., Petrushina V.M. Risk management in banking M .: Dictation, 2012 .-- 136p. .Mamonova I.D. Liquidity of a commercial bank, Banking: textbook / ed. O.I. Lavrushin. M .: KNORUS, 2007. .Ozhegov S.I. Russian dictionary. M., 1978. .Potemkin S.A., Kireeva I.V. Basel II New approaches to risk assessment. VI International November 2005 Seminar of the Club of Banking Analysts .Scientific almanac of fundamental and applied research, problems of banking and corporate risk management. FA, CFPI under the Government of the Russian Federation. Moscow: Finance and Statistics, 2005. .Rusanov Yu.Yu. Theory and practice of risk management of credit institutions in Russia, Moscow: Economist, 2007. .Usov V.N. Prevention of Uncertainty in Risk Management, Risk Management. Moscow 2013.
2. Aims Today, small business and entrepreneurship are developing rapidly in Uzbekistan. This in itself leads to an increase in demand for the services of commercial banks. Banks, on the other hand, face many different risks in carrying out their functions and providing services. On the one hand, the bank is a commercial organization, so it is subject to many business risks. On the other hand, a bank is a financial institution, so it assumes the financial risks associated with intermediary activities in the financial markets. Bank risk can be defined as the probability of loss due to uncertainty in the bank's operations and external environment. To understand all types of banking risks, it is necessary to create their classification. In addition, the classification may vary depending on the purpose of use and the depth of detail. In our view, the simplest option for classifying bank risks seems to be the distribution of different groups of features combined in a table that can be rearranged according to the level of materiality of the risks under consideration.
3. Research Methodology The President of the Republic of Uzbekistan Shavkat Mirziyoyev instructed the President of the Republic of Uzbekistan Shavkat Mirziyoyev on Ensuring league, Modern banking, foreign and banking practice, Measures to ensure production in banks, Ensuring production in banks, Banks. liquidity management and resource quality improvement, provision of banking services as loans, study of retail improvement and cleaning tools, retail cleaning and cleaning tools.
4. Tentative Conclusion (100 words) During the post-independence period, a two-tier banking system has been created in the country, which is compatible with a market economy, and this system is developing and improving. We know that the modern economic environment requires the creation of a banking system consistent with international banking practice, based on the prevention of existing problems in the activities of commercial banks and increasing the efficiency of banking in our country. In our independent Republic, great attention is paid to bringing the activities of banks in line with the general principles adopted in world practice. In this regard, the President said, "I am pleased to note the positive changes taking place in the financial and banking system of our country. In 2011, consistent and targeted measures were taken to further strengthen the capitalization of banks, their stability and resilience. If in 2010 15 commercial banks of the country received a rating of "Stable", today their number has reached 21, the assets of which make up 98% of the total assets of the banking system of the country. It is known that the growing confidence of the population in the banking system is an important indicator of the efficiency of banks. The composition of banks' loan portfolios is changing radically in terms of quality. If in 2000, 54% of the loan portfolio was formed by external debt, in 2011 55.3% of it came from domestic sources - legal entities and individuals, investments in the sector, and thus the development of deposits. If in 2000, 54% of the loan portfolio was formed at the expense of external debt, in 2011 85.3% of it was formed at the expense of investments from domestic sources - the network of legal entities and individuals, and thus our development deposits. That, in turn, is evidence of our growing domestic capacity to sustain our economy. " Therefore, in order to operate in a market economy, commercial banks have to have sufficient resources, to obtain high returns by placing the available funds on the basis of minimal risk. In order to earn high returns, in turn, banks increase the risk level of their operations, because banks work mainly with external resources: on the one hand, they are accountable to their shareholders, on the other hand, they trust their own funds. are liable to customers who have submitted and use banking services. Therefore, commercial banks operate with several times higher risk than other businesses. Exploring the risks associated with banking and methods of their assessment, identifying ways to reduce risks, addressing them, enabling commercial banks to operate as a highly liquid bank in line with world standards in a market economy issues such as justification for giving are issues that need to be addressed. The above issues are the current issues of today. That is why this chosen topic is relevant.
Write down how you will apply research findings to the development of your company (200 words) At present, the process of forming a socially oriented market economy in Uzbekistan involves the creation of a stable system of commercial banks. Because commercial banks are one of the important components of the market infrastructure. Their stability is of state importance. Operating in a market economy requires enterprises to change the above principles of operation. Now the activity of each subject of market relations has its own norms within the law. In the context of unstable, rapidly changing market relations, banks need to take into account the various consequences associated with the actions of their customers, competitors and changes in legislation and their impact on banking activities. Because such fluctuations lead to high risk during the operation of the bank. It is impossible to imagine a modern banking system without risk. The bank has no risk-free operation. All of its operations are risk-related and their level may vary depending on the type of operation. Consequently, it is important to know in advance that banking practice cannot eliminate risk altogether. As with any economic activity for profit, the result of commercial activity is, first and foremost, profit. It is associated with risk. Therefore, the first issue facing commercial banks is to achieve the optimal level between risk and profitability. Adherence to the principles of market relations in Uzbekistan requires commercial banks to study the risks associated with their activities more than other business entities. This is because commercial banks, on the one hand, have obligations to their shareholders, customers who have entrusted their funds and use banking services. The activity of the banks of the CIS countries, including our republic, is more risky than the banks of developed countries. The main reason for this is the reorganization of banking activities in the planned economy in line with today's requirements, and the lack of sufficient experience in carrying out new types of banking operations may further increase the risk and level of their activities. Well-known economist OL Lavrushin states that "Bank risk is a measure of the value of a probable event, which leads to losses. Risk may not always lead to losses. Every business entity or individual when he intends to carry out a risky activity, he always intends to make a high profit. Therefore, we cannot agree with the opinion that this will only lead to losses. Another Russian economist G. Panova said: G. Panova seeks to substantiate two main directions in her definition. These are, first, in line with Prof. O. Lavrushin's view of risk, which he also Secondly, I would like to emphasize that risk is an unexpected phenomenon. With this work, I want to reduce the level of risk of commercial banks in the context of developing Uzbekistan. consists of shooting.