TIJORAT BANKLARINING UZOQ MUDDATLI MOLIYAVIY BARQARORLIGINI TA’MINLASHDA KAPITAL YETARLILIGINI BOSHQARISH STRATEGIYASI
DOI:
https://doi.org/10.55439/INS/vol3_iss2/417##article.subject##:
kapital yetarliligi, moliyaviy barqarorlik, tijorat banklari, strategik boshqaruv, Basel III, risk-menejment, iqtisodiy kapital, bank transformatsiyasi, prudentsial nazorat, ICAAP, kapital buferlari.##article.abstract##
Ushbu maqolada tijorat banklarining uzoq muddatli moliyaviy barqarorligini ta’minlashda kapital yetarliligini boshqarishning strategik ahamiyati tadqiq
etilgan. Tadqiqot doirasida bank kapitalining sifati va tarkibini optimallashtirish, xalqaro Basel III/IV standartlarini implementatsiya qilish hamda risk-menejment tizimini takomillashtirish masalalari tahlil qilingan. Xususan, tadqiqotda banklarning risk-appetitini hisobga olgan holda kapital buferlarini shakllantirishning ilmiy-uslubiy yondashuvlari batafsil yoritilgan. Shuningdek, makroiqtisodiy beqarorlik sharoitida ichki kapitalni baholash modellarini (ICAAP) takomillashtirish orqali bank tizimi ishonchliligini kafolatlovchi mexanizmlar taklif etilgan. Maqolada banklarning kapital yetarliligi va ularning barqaror rivojlanishi o‘rtasidagi bog‘liqlik ekonometrik modellar asosida ko‘rib chiqilib, bank tizimining tashqi shoklarga chidamliligini oshirish bo‘yicha strategik takliflar ishla b chiqilgan.
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