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РОЛЬ ДЕПОЗИТОВ В УКРЕПЛЕНИИ РЕСУРСНОЙ БАЗЫ КОММЕРЧЕСКИХ БАНКОВ
Р.Б. Курбанов, преподаватель Ташкентский финансовый институт (Узбекистан, г. Ташкент)
Аннотация. Важное значение также имело укрепление ресурсной базы коммерческих банков для вкладов в банке. Известна международная банковская практика, которая считается основной ресурсной базой коммерческих банков в их депозитных ресурсах. Структура размещения средств фондов средств хранится спрос низкий, но средства для нестабильной. Срочные депозиты и сберегательные банки с точки зрения устойчивых и дорогих источников финансирования.
Ключевые слова: депозит, в стабильность, ВВП, кредитоспособность, срочный депозит, ресурсная база.
The banking and financial system to the ultimate goal of radical reforms to strengthen the resource base of commercial banks, economic entities and to increase public confidence in the banking system.
In this regard, the President of the Republic of Uzbekistan in strengthening the resource base on May 6, 2015, the president of the 2344-dated. That the decision "to further improve the reliability of the financial stability of the banking system and to strengthen the resource base of commercial banks, and the need to create favorable conditions for the development of". [1]
Strengthening the resource base of commercial banks for deposits in the bank were also important. International banking practice is known, is considered the main resource base of commercial banks in their deposit resources. The structure of the deposit of funds of funds of funds kept demand low, but funds for unstable. Term deposits and savings banks in terms of sustainable and expensive sources of funds.
Increasing the resource base of commercial banks to increase the volume of deposits consecutive increase from year to year. In the year
2016 the total volume of deposits attracted by commercial banks by the end of 2015 increased by 25.2 percent to 44.6 trillion soum. [2]
Expansion of the resource base of banks, strengthening and improving the quality of services provided by them. In particular, it is appropriate to recognize the level of use of banking services. For example, hundreds of thousands of adult population in the country coming banking institutions, 49.7 thousand 1 thousand and 28 bank accounts opened in the name of international norms of "high" ratings in the index [3].
The reforms underway in the resource base of the banking system to its positive effects. The following figure shows the deposits attracted by banks during the year to reflect the dynamics.
Official data shows that commercial banks' deposits growing from year to year. At the end of 2016, this figure reached 44600 billion soums and increased by 2.5 times compared to 2011. As a result of the work carried out to increase the resource base of commercial banks in the amount of deposits increased from year to year.
2011 2012 2013 2014 2015 2016
Figure 1. The balance of deposits in commercial banks. [4] (billion sum)
Banks will typically experience a temporary liquidity dips due to a decline in the amount of deposits. The most important step for banks in addressing this problem would be to develop strategies that are consistent with the needs of the savers in the economy. When the deposit base in the economy shrinks, banks will respond in a variety of ways.
- Banks will become aggressive in maintaining their local base of depositors and the underlying customer relationships. Banks will offer incentives to depositors in the form of higher interest rates and other attractive conditions in order to retain depositors on their books.
- Many banks will look for other funding sources and will compete more directly for market based funds. In this respect interbank funding becomes an option.
- The banks also look at ways of creating new funding sources and better ways to manage banking assets.
An option that banks can adopt is to lend on a more selective basis whenever funds are tight - either by raising credit standards or increas-
ing loan rates and fees.
Although this strategy could result in better credit quality and perhaps higher net interest margins as loan demand increases, it could also mean curtailing the amount of credit extended to creditworthy customers.
It is important to keep in mind that every time one makes a deposit with the bank, they are providing part of the lifeblood for the economy as it is deficit units of the economy that benefit from the actions of depositors.
Banking institutions in our republic also provide many types of deposits for customers. Most common used types of deposits in Uzbekistan can be summarized as follows:
- Demand deposit;
- Term deposit;
- Savings account.
Based in the international practice, it can be suspected that new types of deposits to be adopted in our country. In particular money market deposits can be proposed as it provides opportunities for attracting additional funds in to banking sector.
Table 1. Analysis of the structure of deposits of commercial banks in the Republic of Uzbeki-
stan [5] (%)
№ Deposits 2011 2012 2013 2014 2015 2016 Changes in 2016
1. Demand deposits 63,79 66,72 63,07 59,45 58,51 59,45 -4,34
2. Savings deposits 8,23 9,24 9,70 10,62 11,34 11,09 2,87
3. Term deposits 27,99 24,04 27,24 29,93 30,15 29,46 1,47
All deposits 100,00 100,00 100,00 100,00 100,00 100,00 0,00
Table as shown by the data of the analyzed period, the total volume of deposits in commercial banks, the share of deposits in transac-tional remained high. In 2016 this figure from the current level of 59.4 percent. This means commercial banks' deposit base is not enough in our republic. Because of deposits in commercial banks' deposit base enough to be trans axial should not exceed 30% of the share of the gross volume of deposits. 2011-2016 years, an upward trend in the share of term deposits, gross deposits. This trend has the potential transactional gross deposits for the same peri-
the volume of deposits is explained by the end of the deposit base of commercial banks and the state. 2011-2016 years, the share of the total volume of deposits in commercial banks, savings deposits remained insignificant. This situation is to attract funds from commercial banks, savings deposit accounts of development operations. Time and savings deposits in the international banking practice, the major part of the resources of commercial banks. The US and Western Europe-term deposits in commercial banks exceeds 60 percent share of the gross volume of deposits [6].
od has a tendency toward share reduction in
References
1. Resolution of the President of the Republic of Uzbekistan of May 6, 2015 № PP-2344 "On measures to further improve the financial stability of commercial banks and development of their resource base". National Database of Legislation of the Republic of Uzbekistan, 2015 year.
2. Mullajanov F. The main directions of monetary policy for 2017. Scientific Practical Journal «Market, Money and Credit» Tashkent №1/2017 13-38 p.
3. Karimov I.A. "On the results of socio-economic development of Uzbekistan in 2015 and the most important priorities of economic program for 2016. 16.01.2016. http://press-service.uz/en/
4. Central Bank of Uzbekistan http://www.cbu.uz/
5. Information of RA "AHBOR-REYTING" in 2011-2016. http://ahbor-reyting.uz/
6. Банковское дело. Под. ред. Лаврушина О.И. - М.: Финансы и статистика, 2004 г. -С. 88.
THE ROLE OF DEPOSITS IN STRENGTHENING THE RESOURCE BASE
OF COMMERCIAL BANKS
R.B. Kurbanov, lecturer Tashkent financial institute (Uzbekistan, Tashkent)
Abstract. Strengthening the resource base of commercial banks for deposits in the bank were also important. International banking practice is known, is considered the main resource base of commercial banks in their deposit resources. The structure of the deposit of funds of funds kept demand low, but funds for unstable. Term deposits and savings banks in terms of sustainable and expensive sources of funds.
Keywords: deposit stability, gross national product, crediting, term deposits, resource base.
