Педагогик акмеология 4-том 21-сан (2025)
DIVERSIFICATION OF BANKING ACTIVITIES AS A STRATEGIC MECHANISM FOR ENSURING STABILITY AND RISK MANAGEMENT IN THE COMMERCIAL SECTOR
Tojixo'jayev, Abduraxmonxo'ja
Аннотация
This article explores the diversification of commercial banks' activities as a crucial factorfor ensuring their stability amid increasing competition and economic transformation. It examines variousdirections of diversification—including types of operations, foreign currency reserves, investmentinstruments, and geographical expansion. Special emphasis is placed on diversification as a riskmanagement tool to enhance banks’ adaptability and maintain financial sustainability. The article providesan overview of international practices and evaluates the ongoing reforms in Uzbekistan’s banking system.The author argues that competent diversification reduces specific risks, improves bank competitiveness,and supports sustainable development of the financial sector.
рискибанковская системадиверсификацияrisksbanking systemdiversificationxatarlarbank tizimidiversifikatsiya
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