{"id":4520,"date":"2025-05-06T10:54:58","date_gmt":"2025-05-06T10:54:58","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=4520"},"modified":"2025-05-06T10:55:30","modified_gmt":"2025-05-06T10:55:30","slug":"ensuring-the-efficiency-of-banking-activities-through-risks-reduction-in-commercial-banks-theory-and-practice","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=4520","title":{"rendered":"ENSURING THE EFFICIENCY OF BANKING ACTIVITIES THROUGH RISKS REDUCTION IN COMMERCIAL BANKS: THEORY AND PRACTICE"},"content":{"rendered":"<p>Kurbonov Ilhom Jumakulovich<br \/>\nIndependent Researcher, Tashkent State University of Economics<br \/>\nTashkent, Uzbekistan. ilkhomk79@mail.ru<br \/>\nJEL classification: G21, G24, G33. <\/p>\n<p>Abstract. In this article, the opinions of foreign and local scientists on risks in commercial banks, their causes and nature, and negative consequences were studied, analyzed, and the author&#8217;s conclusion was formed. The importance of diversification in reducing risks in banks, the need to carry it out is scientifically based, the reasons for the emergence of problem loans due to ineffective management of credit risks have been revealed.<br \/>\nAlso, the share of loans in the assets of the banking system of our country in 2020-2024 and its negative aspects were covered, a structural analysis of the banking system&#8217;s loan portfolio was carried out, the dynamics of problem loans were analyzed, and scientific conclusions and practical recommendations were formulated.<br \/>\nKey words: banking risks, loan portfolio, credit risk, diversification, problem loans, reserve, unsatisfactory loans, doubtful loans, bad loans, credit provision, resource source.<\/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\/2025\/05\/8\u049a\u0443\u0440\u0431\u043e\u043d\u043e\u0432-\u0418\u043b\u04b3\u043e\u043c-2.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 8+\u049a\u0443\u0440\u0431\u043e\u043d\u043e\u0432 \u0418\u043b\u04b3\u043e\u043c (2).\"><\/object><a id=\"wp-block-file--media-8abbc1d6-ba71-4773-a6c8-b2347d65ff77\" href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2025\/05\/8\u049a\u0443\u0440\u0431\u043e\u043d\u043e\u0432-\u0418\u043b\u04b3\u043e\u043c-2.pdf\">8+\u049a\u0443\u0440\u0431\u043e\u043d\u043e\u0432 \u0418\u043b\u04b3\u043e\u043c (2)<\/a><a href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2025\/05\/8\u049a\u0443\u0440\u0431\u043e\u043d\u043e\u0432-\u0418\u043b\u04b3\u043e\u043c-2.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-8abbc1d6-ba71-4773-a6c8-b2347d65ff77\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Kurbonov Ilhom Jumakulovich Independent Researcher, Tashkent State University of Economics Tashkent, Uzbekistan. ilkhomk79@mail.ru JEL classification: G21, G24, G33. Abstract. In this article, the opinions of foreign and local scientists on risks in commercial banks, their causes and nature, and negative <a href=\"https:\/\/interfinance.tsue.uz\/?p=4520\" 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":[68],"tags":[],"class_list":["post-4520","post","type-post","status-publish","format-standard","hentry","category-2025-2-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>ENSURING THE EFFICIENCY OF BANKING ACTIVITIES THROUGH RISKS REDUCTION IN COMMERCIAL BANKS: THEORY AND PRACTICE - 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=4520\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ENSURING THE EFFICIENCY OF BANKING ACTIVITIES THROUGH RISKS REDUCTION IN COMMERCIAL BANKS: THEORY AND PRACTICE - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"Kurbonov Ilhom Jumakulovich Independent Researcher, Tashkent State University of Economics Tashkent, Uzbekistan. ilkhomk79@mail.ru JEL classification: G21, G24, G33. Abstract. 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