WAYS TO INCREASE THE EFFICIENCY OF FINANCIAL RESOURCES IN THE INVESTMENT ACTIVITIES OF COMMERCIAL BANKS

Rabimkulov Sherzod Murtozaevich

Authors

Rabimkulov Sherzod Murtozaevich Doctor of Philosophy (PhD) in Economics University of Economics, Tashkent State

Keywords:

Capital, investment portfolio, risk management, liquidity, digital economy, fintech technologies, banking investments, investment risks, foreign investment, financial stability, innovative technologies, green economy, investment attractiveness, banking resources, economic growth, diversification.

Abstract

This study examines the theoretical and practical aspects of improving the efficiency of financial resources in the investment activities of commercial banks. The research analyzes the investment activities of banks, mechanisms for managing financial resources, methods of reducing investment risks, and the impact of bank investments on economic growth. In addition, issues such as diversification of investment portfolios, liquidity management, and improvement of risk management systems are considered. The study also substantiates the importance of using fintech technologies, artificial intelligence, and innovative financial instruments in the development of commercial banks’ investment activities in the digital economy. Furthermore, the role of attracting foreign investments and expanding cooperation with international financial institutions in increasing investment efficiency is highlighted. As a result of the research, scientific and practical recommendations for improving the efficiency of financial resources in the investment activities of commercial banks have been developed. These recommendations contribute to strengthening the financial stability and investment potential of the banking system.