A SYSTEM OF INDICATORS FOR ENSURING THE ECONOMIC SECURITY OF COMMERCIAL BANKS UNDER INCREASING SYSTEMIC RISK
DOI:
https://doi.org/10.55439/INS/vol3_iss2/391##article.subject##:
Banklarning iqtisodiy xavfsizligi, tijorat banklari, bank risklari, tizimli risklar, xavfsizlik indikatorlari, asosiy risk indikatorlari, erta ogohlantirish tizimi, CAMELS, stress-testlash, integral baholash, komplaens, kiberxavfsizlik, bank nazorati.##article.abstract##
Maqolada tijorat banklarining iqtisodiy xavfsizligini ta’minlashning nazariy va metodologik asoslari tizimli risklar kuchayishi, moliyaviy muhit raqamlashtirilishi va noaniqlik ortishi sharoitida tadqiq etilgan. Bank iqtisodiy xavfsizligini talqin qilishning asosiy yondashuvlari ko‘rib chiqilgan hamda bank tizimi barqarorligini ta’minlashda makroprudensial tartibga solishning o‘rni yoritilgan. Maqolada moliyaviy, operatsion, komplaens va reputatsion ko‘rsatkichlarni qamrab olgan indikatorlar tizimi taklif etilgan. Shuningdek, integral baholash usullari, xususan, vaznli yig‘indi usuli, masofalar usuli, diskriminant tahlil va stress-test o‘tkazish tahlil qilingan. Tahdidlarni o‘z vaqtida aniqlashda erta ogohlantirish tizimlari va asosiy risk indikatorlaridan foydalanish zarurligi asoslab berilgan.
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