scholarly journals Current issues of the banking system development of the republic of Uzbekistan

2021 ◽  
Vol 2 (2/S) ◽  
pp. 179-186
Author(s):  
Shohboz Ibodullaev ◽  
Gulbahor Bakoeva
Keyword(s):  
Central Bank ◽  
Commercial Banks ◽  
System Development ◽  
Banking System ◽  
Resource Base ◽  
Low Level ◽  
Current State ◽  
The Republic ◽  
High Level

The article analyzes the current state of the banking system of the Republic of Uzbekistan and identifies problems associated with its development. In particular, such problems as the presence of the problem of unbalanced liquidity in commercial banks, insufficient resource base of banks, a low level of profitability of assets of commercial banks, and a high level of rates of required reserves of the Central Bank were identified. Also, the article studies the scientific and theoretical views of economists on the development of the banking system. In the article, on the basis of the analyzes carried out, scientific proposals have been developed aimed at the development of the banking system of the Republic of Uzbekistan. In particular, the ways of increasing the profitability of commercial banks 'assets were developed, the possibilities of strengthening the resource base and increasing the level of banks' liquidity were substantiated, proposals for improving the policy of required reserves of the Central Bank were substantiated.

The Importance And Development Of Remote Banking In Uzbekistan

GIS Business ◽  
2019 ◽  
Vol 14 (4) ◽  
pp. 16-24
Author(s):  
Mamadiyarov Zokir Toshtemirovich
Keyword(s):  
Remote Control ◽  
Control Systems ◽  
Commercial Banks ◽  
Banking System ◽  
Information Flows ◽  
Bank Account ◽  
Banking Services ◽  
Current State ◽  
The Republic

In the implementation of remote control systems of the bank account used in the banking practice of the Republic of Uzbekistan, information flows are rapidly moving, the current state of remote banking services in the banking system of Uzbekistan, as well as measures for their wide use are being taken. The article discusses the issues of improvement of remote banking services, the problems in it and the author's relationship on the development of remote banking services in commercial banks.

scholarly journals Methodological Aspects of the Financial Stability of Iraq’s Banking System

2020 ◽  
pp. 208-218
Author(s):  
Haider H. Dipheal Shubbar ◽  
Keyword(s):  
Central Bank ◽  
Financial Distress ◽  
Financial Stability ◽  
Banking Sector ◽  
System Development ◽  
Banking System ◽  
Capital Adequacy ◽  
Financial Monitoring ◽  
High Level ◽  
Methodological Aspects

This article discusses the methodology the Central Bank of Iraq developed to assess the financial stability of commercial banks. This topic is relevant because, in modern economic conditions, the Central Bank of Iraq is forced to tighten requirements to credit institutions. Banks use not only their own funds, but also the funds of the population, legal entities, so they must be reliable and stable. Financial stability directly characterises the reliability of banks, so it must be strictly controlled. The Central Bank of Iraq has created its own methodology for assessing the financial stability of the banking sector. Its use should improve the quality of the created banking system development strategies and the financial monitoring of these strategies’ implementation. The Iraqi banking sector has a high level of capital adequacy, which helps to reduce the likelihood of financial distress in it.

scholarly journals Reserve assets as sources of replenishing resource base of banking sector and improving its stability

2019 ◽  
Vol 2019 (4) ◽  
pp. 130-136
Author(s):  
Haidar Diphil Shubbar ◽  
Andrey Vladimirovich Girinsky
Keyword(s):  
Central Bank ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Financial Stability ◽  
Banking Sector ◽  
Foreign Currency ◽  
Banking System ◽  
Resource Base ◽  
Reserve Requirement ◽  
Reserve Requirements

The paper focuses on the importance of using reserve assets in order to increase the bank financial stability and the banking system as a whole. The essential requirements for reserving commercial banks have been presented. The methods of regulating the required reserves have been studied. The specific features of applying the required reserves in banking activities (reserve requirements and liquidity, monetary policy, reserve requirements as a monetary tool, reserve requirements as a fiscal tool) have been revealed. The schedule of averaging periods of required reserves for 2019 is being considered. The general principles which credit organizations are guided by when creating reserves are the following: obligatory availability of reserves for all credit organizations throughout their existence; forming reserves in relation to liabilities to legal entities and individuals; possibility of removing from the list obligations for which reserves have been created. It has been mentioned that the main objectives of the reserve requirement system are to provide banks with sufficient liquidity and to regulate the money supply. Particular attention is paid to the Central Bank as a reserve requirements regulator. In accordance with the changes of the Central Bank of July 1, 2019, the established standards on reserve requirements for deposits in national currency are set at 4%, in foreign currency at 14%. Manipulating the required reserve rate will provide the Central Bank with the opportunity to adjust the liquidity and solvency both of an individual bank and the entire banking system. The method of averaging required reserves includes the possibility for a commercial bank not to transfer reserves to the Central Bank based on a certain sum of money. The averaging coefficient is set at 0.25 to the standard volume of required reserves

scholarly journals Commitments of commercial bank management

2019 ◽  
pp. 21-24
Author(s):  
Olena POLOVA ◽  
Hanna BALALAIEVA
Keyword(s):  
Commercial Banks ◽  
Banking System ◽  
Common Source ◽  
Resource Base ◽  
Future Directions ◽  
Bank Management ◽  
Liability Management ◽  
Commercial Bank Management ◽  
The Interest Rate ◽  
Banking Institution

One of the basic problems of the banking system is the resource providing for the bank activities, and so the question of the resource potential management of the institution is actual today. The article deals with the economic essence and structure of the liabilities of commercial banks. A review of the specific features of banking and bank management defines the goal in the liability management. The dynamics of the resource base of Ukrainian banks. The article deals with the overall analysis of management problems for involved and borrowed resources of banks. Attention is concentrated on factors of banks' resources. Summarizes the main methods of deposit liability management. Considers the features of the borrowed resources management. Defines the main parameters of the resource base formation. Proposed future directions of research in the field of the liabilities management . The purpose of the study is to determine the peculiarities of managing the obligations of commercial banks and improve the methodology of this process. In the course of the study, attention was drawn to the process of forming a commercial bank's resource base, where two main management parameters need to be considered - the value of borrowed and borrowed funds and their volume. The most common source of formation of bank resources is customer deposits. The need to attract non-deposit resources arises in the event of a lack of current liquidity or as a result of an attempt to balance payment flows at subsequent dates. Further research should be directed to substantiate the methods, instruments and instruments of deposit and non-deposit policy, which will provide not only sufficient capital but also a high rating of a banking institution. It is determined that price and non-price management methods are used to provide the desired structure, volume and level of expenses on deposit liabilities. The essence of pricing methods is to use the interest rate on deposits as the main lever in the competition for free cash of individuals and legal entities. Raising the bid offered by the bank makes it possible to attract additional resources.

scholarly journals Analysis of the Western Balkans Territories Using the Index of Economic Freedom

2020 ◽  
Vol 13 (46) ◽  
pp. 320-329
Author(s):  
Elena Kašťáková ◽  
Andrea Chlebcová
Keyword(s):  
Law Enforcement ◽  
Bosnia And Herzegovina ◽  
Organized Crime ◽  
Economic Freedom ◽  
Shadow Economy ◽  
Business Environment ◽  
Western Balkans ◽  
Low Level ◽  
Current State ◽  
The Republic

Abstract The aim of the paper is to assess the current state of economic freedom in the Western Balkans region using the Index of Economic Freedom. From the Western Balkans territories, the best rating in the observed period of 2010 – 2019 is achieved by the Republic of North Macedonia and the worst by Bosnia and Herzegovina. According to the 2020 Index of Economic Freedom, the region belongs to the group of moderately free economies. The investment and business environment of the Western Balkans is at a low level. The reason is poor law enforcement, corruption, organized crime, or the shadow economy.

scholarly journals Central Banks

2021 ◽  
pp. 11-28
Author(s):  
Ulrich Bindseil ◽  
Alessio Fotia
Keyword(s):  
Central Bank ◽  
Commercial Banks ◽  
Balance Sheet ◽  
Banking System ◽  
Central Banks ◽  
Reserve Requirement ◽  
Money Creation ◽  
Reserve Banking ◽  
Bank Money

AbstractThis chapter develops further the role of a central bank and its interplay with commercial banks. Together, the two ensure the provision of liquidity to the economy, such that the real sectors are shielded from flows of funds originating from household and investors. We also disaggregate the banking system into two banks to represent deposit flows between banks and their impact on the central bank’s balance sheet, and to distinguish between what we call “relative” and “absolute” central bank intermediation. We then integrate deposit money creation by commercial banks into our system of financial accounts, and revisit some old debates, such as the limits of bank money creation and the role of related parameters that the central bank can set (not only the reserve requirement ratio, but also the collateral framework). Finally, we explain the concepts of “plain money” and “full reserve banking” within the financial accounts, and also discuss in this framework the recent proposals regarding central bank digital currency (CBDC).

scholarly journals Detection of Knowledge Levels Related to Covid-19 Among State University Students, NKRI-RDTL Border Area

2022 ◽  
Vol 8 (1) ◽  
pp. 132-139
Author(s):  
Yunawati Sele ◽  
Fincensius Oetpah ◽  
Vinsensia Ulia Rita Sila
Keyword(s):  
University Students ◽  
Sampling Technique ◽  
Simple Random Sampling ◽  
Risk Groups ◽  
State University ◽  
Border Area ◽  
Low Level ◽  
Average Value ◽  
The Republic ◽  
High Level

This research was conducted with the aim of revealing the level of knowledge related to COVID-19 among state university students, in the NKRI-RDTL border area. This study includes a qualitative descriptive study involving the population, namely all active students of state universities, Timor University, which are located in the border area of ​​the Republic of Indonesia-RDTL. By using a simple random sampling technique, obtained 1181 students as respondents. The research instrument in the form of a knowledge questionnaire related to covid was distributed to respondents offline and also online using the google form. The results showed that 17.7% of respondents had knowledge at a low level, 62.66% of respondents had knowledge at a moderate level, while 19.64% of respondents had knowledge at a high level. Among the 4 aspects of knowledge, knowledge on the etiology and symptom aspects, as well as aspects of preventing the spread of covid-19, are at a high level with an average value of each aspect, namely 85.61 and 83.09. Meanwhile, knowledge on aspects of risk groups and aspects of the spread of COVID-19 is at a low level with an average value of 51.54 and 54.19. This needs attention because the quality of knowledge basically has a relationship with attitudes and behavior related to COVID-19

scholarly journals Religiousness and civic identity of youth in the Republic of Dagestan: current state.

2020 ◽  
Vol 12 (4-5) ◽  
pp. 90-102
Author(s):  
Yusup D. Dzhabrailov ◽  
Keyword(s):  
Young People ◽  
Civil Rights ◽  
Religious Identity ◽  
Interpersonal Relations ◽  
Religious Affiliation ◽  
Sociological Study ◽  
Current State ◽  
The Difference ◽  
The Republic ◽  
High Level

The article is devoted to determining the level of religiosity of Dagestan youth and its influence on the process of forming civil identity. Based on the results of a sociological study, the author states that there is a direct relationship between the level of youth religiosity and their civic identification. He states that the high level of religious identity of young people does not weaken the position of civic identification. At the same time, pronounced religious ties contribute to the formation of a culture of trust in persons of other confessional and ethnic groups at the level of interpersonal relations. The experience of close connection with co-religionists develops a culture of trust in a multi-ethnic and multi-confessional environment. Nevertheless, the author draws attention to the difference in indicators of civil identification in the Islamic-Christian border area, which is associated with the predominance in the mass consciousness of muslims and representatives of non-Russian nationality of the feeling of violation of civil rights on a confessional basis. It is concluded that with the adoption of the practice of meeting religious requests of communities throughout the Russian Federation, regardless of religious affiliation, it is expected to increase the indicators of civil identification of young people. The article notes that the regional level is dominated by trends for favorable interfaith communication. To a decisive extent, they may depend on the socio-political attitudes at the federal level.

scholarly journals Current Issues of Crediting Investment Projects in Uzbekistan

2019 ◽  
Vol 5 (4) ◽  
pp. 353-358
Author(s):  
K. Khomitov
Keyword(s):  
Commercial Banks ◽  
Main Part ◽  
Real Sector ◽  
Investment Projects ◽  
Bank Deposits ◽  
Current State ◽  
Short Period ◽  
The Republic ◽  
Domestic Banks

The article analyzes the current state of lending to the economy as a whole and lending to investment projects in Uzbekistan. The main part of attracted investments is directed to the implementation of projects for the modernization, technical and technological renewal of branches of the real sector of the economy of the Uzbekistan. The investment potential of bank deposits is limited, since they are placed for a short period in order to preserve capital and cannot be invested by commercial banks in financing long-term loans. For domestic banks, it is important to reduce the rate of mandatory reserves of the Central Bank of the Republic of Uzbekistan.

Swiss sovereign money vote points up bank reform

2018 ◽  
Keyword(s):  
Central Bank ◽  
Commercial Banks ◽  
Financial Stability ◽  
Banking System ◽  
Budget Deficits ◽  
Banking Reform ◽  
Content Type ◽  
Economic Agents ◽  
Monetary Systems ◽  
Bank Reform

Significance The Vollgeld (sovereign money) proposal, which claimed to make the banking system safer by preventing commercial banks creating money through requiring thems to keep 100% of their deposits at the central bank, was complex and economically flawed, However, it attracted anti-system and anti-bank votes and has generated debate in Switzerland and abroad on financial stability and monetary systems. Impacts The Vollgeld idea has never been implemented anywhere, posing uncertainty about economic agents' reactions and the overall impact. The reform, if used to finance budget deficits, would challenge the central bank's independence. Even if the proposal is refined, the power that 'Vollgeld' would give the central bank to determine lending will remain unpopular. Pressure for banking reform and awareness of regulation have risen worldwide since the 2008-09 crisis making other initiatives likely.

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