Directions for Improving the Risk Management Mechanism in Commercial Banks

This paper examines the key directions for improving the risk management mechanism in commercial banks. Effective risk management plays a crucial role in ensuring financial stability, profitability, and sustainable development of the banking sector. The study analyzes major types of banking risks, including credit, liquidity, market, and operational risks, and evaluates existing risk management practices in commercial banks. Based on International experience and modern regulatory requirements, the paper proposes measures to enhance risk identification, assessment, monitoring, and control processes. The implementation of advanced risk management tools, digital technologies, and internal control systems is emphasized as a key factor in strengthening banks' resilience to financial shocks. The findings of the study may be useful for banking professionals, policymakers, and researchers in improving risk management frameworks in commercial banks.

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