IIARD International Institute of Academic Research and Development

IIARD INTERNATIONAL JOURNAL OF BANKING AND FINANCE RESEARCH (IJBFR )

E-ISSN 2695-1886
P-ISSN 2672-4979
VOL. 10 NO. 10 2024
DOI: 10.56201/ijbfr.v10.no10.2024.pg18.30

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The Need of Commercial Banks to Eliminate Problem Loans in Modern Conditions and Its Role in Banking Activity

Mitillaev Ibrahimjon Tursunpolatovich

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Abstract

This article examines the role of investment portfolio management in the effective management of bank financial resources, the impact of the investment portfolio of commercial banks on the liquidity of their assets. According to the research materials and methods, the definitions and opinions of a number of foreign and domestic economists on the topic were studied, and the author commented and explained their content. The article also provides suggestions and practical recommendations for developing a draft regulatory legal document on the management of financial resources of commercial banks of the Republic of Uzbekistan, as well as for developing a program of measures aimed at managing assets in commercial banks. The results of the study examined ways to expand theoretical and practical knowledge on the management of financial resources in commercial banks of our country, the use of convenient methods of their management, and made proposals on teaching subjects related to banking activities in higher education institutions in the economic field, preparing curricula, textbooks and manuals, as well as on their widespread use as a source for researchers conducting scientific research on the topic of the study. In particular, it was proposed to allow banks to participate in crypto-exchanges with crypto-assets (tokens) in the formation of digital assets in commercial banks and to organize a crypto-depository in the structural structure of commercial banks.

keywords:

Commercial banking, asset, liability, deposit, capital, financial resource management

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