ECONOMIC SECURITY OF COMMERCIAL BANKS: CONCEPTUAL FOUNDATIONS AND THREAT MITIGATION FRAMEWORK

Annotatsiya

Ensuring the economic security of commercial banks is a critical prerequisite for national economic stability, financial intermediation efficiency, and sustainable economic growth. This study aims to systematize theoretical approaches to the concept of economic security in the banking sector, identify internal and external threats affecting commercial banks, and develop a conceptual framework for strengthening bank-level economic security. Using methods of comparative analysis, logical generalization, and system-structural analysis, the paper synthesizes classical and contemporary views of scholars from CIS countries and Uzbekistan. The results substantiate that the economic security of a commercial bank represents a protected state of its financial, organizational, and institutional interests against destabilizing threats. A conceptual model of economic security provision is proposed, integrating preventive, neutralizing, and control mechanisms. The findings may be applied in improving bank risk management systems and state policies aimed at safeguarding financial stability.