{"id":3980,"date":"2024-06-05T03:56:35","date_gmt":"2024-06-05T03:56:35","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=3980"},"modified":"2024-06-05T03:57:21","modified_gmt":"2024-06-05T03:57:21","slug":"the-practice-and-analysis-of-conducting-stress-tests-to-ensure-the-financial-stability-of-commercial-banks","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=3980","title":{"rendered":"THE PRACTICE AND ANALYSIS OF CONDUCTING STRESS TESTS TO ENSURE THE FINANCIAL STABILITY OF COMMERCIAL BANKS"},"content":{"rendered":"<p style=\"text-align: center;\"><strong><em>Maksudova Saida Sakiyevna<\/em><\/strong>,<br \/>\n<em>Independent Researcher at Tashkent Financial Institute<br \/>\nTashkent, Uzbekistan<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><strong><em>Abstract. <\/em><\/strong><em>In order to determine the financial stability of commercial banks, predict possible negative situations in advance, identify negative influencing factors and measure their impact, stress tests are being conducted in a certain way in various scenarios.<\/em><em>This article examines the importance and relevance of stress testing of commercial banks, the requirements and procedures for conducting it, and methods of stress testing. Also, liquidity and credit risks at AT Aloqabank were analyzed in accordance with the directions recommended by the Central Bank.<\/em><\/p>\n<p><strong><em>Keywords: <\/em><\/strong><em>stress scenario, historical scenario, hypothetical, scenario, pessimistic scenario, critical scenario, catastrophic scenario, bank deposit portfolio, bank loan portfolio, problem loans, stress test: one-factor, multi-factor, individual, complex, integral, reverse.<\/em><\/p>\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2024\/06\/\u041c\u0430\u043a\u0441\u0443\u0434\u043e\u0432\u0430_2_\u0422\u0438\u0436\u043e\u0440\u0430\u0442_\u0431\u0430\u043d\u043a\u043b\u0430\u0440\u0438_\u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439_\u0431\u0430\u0440\u049b\u0430\u0440\u043e\u0440\u043b\u0438\u0433\u0438\u043d\u0438_\u0442\u0430\u044a\u043c\u0438\u043d\u043b\u0430\u0448\u0434\u0430.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of \u041c\u0430\u043a\u0441\u0443\u0434\u043e\u0432\u0430_2_\u0422\u0438\u0436\u043e\u0440\u0430\u0442_\u0431\u0430\u043d\u043a\u043b\u0430\u0440\u0438_\u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439_\u0431\u0430\u0440\u049b\u0430\u0440\u043e\u0440\u043b\u0438\u0433\u0438\u043d\u0438_\u0442\u0430\u044a\u043c\u0438\u043d\u043b\u0430\u0448\u0434\u0430.\"><\/object><a id=\"wp-block-file--media-e84dfbd4-0de5-4854-ba4d-fb6d47faa55d\" href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2024\/06\/\u041c\u0430\u043a\u0441\u0443\u0434\u043e\u0432\u0430_2_\u0422\u0438\u0436\u043e\u0440\u0430\u0442_\u0431\u0430\u043d\u043a\u043b\u0430\u0440\u0438_\u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439_\u0431\u0430\u0440\u049b\u0430\u0440\u043e\u0440\u043b\u0438\u0433\u0438\u043d\u0438_\u0442\u0430\u044a\u043c\u0438\u043d\u043b\u0430\u0448\u0434\u0430.pdf\">\u041c\u0430\u043a\u0441\u0443\u0434\u043e\u0432\u0430_2_\u0422\u0438\u0436\u043e\u0440\u0430\u0442_\u0431\u0430\u043d\u043a\u043b\u0430\u0440\u0438_\u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439_\u0431\u0430\u0440\u049b\u0430\u0440\u043e\u0440\u043b\u0438\u0433\u0438\u043d\u0438_\u0442\u0430\u044a\u043c\u0438\u043d\u043b\u0430\u0448\u0434\u0430<\/a><a href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2024\/06\/\u041c\u0430\u043a\u0441\u0443\u0434\u043e\u0432\u0430_2_\u0422\u0438\u0436\u043e\u0440\u0430\u0442_\u0431\u0430\u043d\u043a\u043b\u0430\u0440\u0438_\u043c\u043e\u043b\u0438\u044f\u0432\u0438\u0439_\u0431\u0430\u0440\u049b\u0430\u0440\u043e\u0440\u043b\u0438\u0433\u0438\u043d\u0438_\u0442\u0430\u044a\u043c\u0438\u043d\u043b\u0430\u0448\u0434\u0430.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-e84dfbd4-0de5-4854-ba4d-fb6d47faa55d\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Maksudova Saida Sakiyevna, Independent Researcher at Tashkent Financial Institute Tashkent, Uzbekistan &nbsp; Abstract. In order to determine the financial stability of commercial banks, predict possible negative situations in advance, identify negative influencing factors and measure their impact, stress tests are <a href=\"https:\/\/interfinance.tsue.uz\/?p=3980\" class=\"read-more\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[61],"tags":[],"class_list":["post-3980","post","type-post","status-publish","format-standard","hentry","category-2024-1-issue-1-6"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>THE PRACTICE AND ANALYSIS OF CONDUCTING STRESS TESTS TO ENSURE THE FINANCIAL STABILITY OF COMMERCIAL BANKS - Journal of International Finance and Accounting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/interfinance.tsue.uz\/?p=3980\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"THE PRACTICE AND ANALYSIS OF CONDUCTING STRESS TESTS TO ENSURE THE FINANCIAL STABILITY OF COMMERCIAL BANKS - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"Maksudova Saida Sakiyevna, Independent Researcher at Tashkent Financial Institute Tashkent, Uzbekistan &nbsp; Abstract. In order to determine the financial stability of commercial banks, predict possible negative situations in advance, identify negative influencing factors and measure their impact, stress tests are Read More ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/interfinance.tsue.uz\/?p=3980\" \/>\n<meta property=\"og:site_name\" content=\"Journal of International Finance and Accounting\" \/>\n<meta property=\"article:published_time\" content=\"2024-06-05T03:56:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-06-05T03:57:21+00:00\" \/>\n<meta name=\"author\" content=\"jurnal-admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"jurnal-admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3980#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3980\"},\"author\":{\"name\":\"jurnal-admin\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#\\\/schema\\\/person\\\/4a9988bcb6588f9a14bc8bf9802ad53a\"},\"headline\":\"THE PRACTICE AND ANALYSIS OF CONDUCTING STRESS TESTS TO ENSURE THE FINANCIAL STABILITY OF COMMERCIAL BANKS\",\"datePublished\":\"2024-06-05T03:56:35+00:00\",\"dateModified\":\"2024-06-05T03:57:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3980\"},\"wordCount\":146,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/#organization\"},\"articleSection\":[\"2024-1-issue-1-6\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3980#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3980\",\"url\":\"https:\\\/\\\/interfinance.tsue.uz\\\/?p=3980\",\"name\":\"THE PRACTICE AND ANALYSIS OF CONDUCTING STRESS TESTS TO ENSURE THE FINANCIAL STABILITY OF COMMERCIAL BANKS - 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In order to determine the financial stability of commercial banks, predict possible negative situations in advance, identify negative influencing factors and measure their impact, stress tests are Read More ...","og_url":"https:\/\/interfinance.tsue.uz\/?p=3980","og_site_name":"Journal of International Finance and Accounting","article_published_time":"2024-06-05T03:56:35+00:00","article_modified_time":"2024-06-05T03:57:21+00:00","author":"jurnal-admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"jurnal-admin","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/interfinance.tsue.uz\/?p=3980#article","isPartOf":{"@id":"https:\/\/interfinance.tsue.uz\/?p=3980"},"author":{"name":"jurnal-admin","@id":"https:\/\/interfinance.tsue.uz\/#\/schema\/person\/4a9988bcb6588f9a14bc8bf9802ad53a"},"headline":"THE PRACTICE AND ANALYSIS OF CONDUCTING STRESS TESTS TO ENSURE THE FINANCIAL STABILITY OF COMMERCIAL BANKS","datePublished":"2024-06-05T03:56:35+00:00","dateModified":"2024-06-05T03:57:21+00:00","mainEntityOfPage":{"@id":"https:\/\/interfinance.tsue.uz\/?p=3980"},"wordCount":146,"commentCount":0,"publisher":{"@id":"https:\/\/interfinance.tsue.uz\/#organization"},"articleSection":["2024-1-issue-1-6"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/interfinance.tsue.uz\/?p=3980#respond"]}]},{"@type":"WebPage","@id":"https:\/\/interfinance.tsue.uz\/?p=3980","url":"https:\/\/interfinance.tsue.uz\/?p=3980","name":"THE PRACTICE AND ANALYSIS OF CONDUCTING STRESS TESTS TO ENSURE THE FINANCIAL STABILITY OF COMMERCIAL BANKS - 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