提高商业银行主动经营盈利能力的几个重要问题

L. Muradova
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引用次数: 1

摘要

商业银行的财务稳定性直接取决于商业银行积极经营的盈利能力。这是因为,首先,最优的资产盈利能力水平使银行能够支持规范的净息差和净利息收入水平,这是确保商业银行财务稳定的必要条件。其次,任何商业银行的主要目标都是使其收益最大化。第三,银行利润是形成资本基础的重要来源。但是,在包括乌兹别克斯坦在内的许多转型期经济国家,在提高商业银行积极业务的盈利能力方面存在一些问题。特别是乌兹别克斯坦共和国的大型商业银行有相当高的储备金扣减额,目的是弥补未来的贷款损失。
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Important Issues of Increasing the Active Operations Profitability of Commercial Banks
Financial stability of commercial banks directly depends on the profitability of commercial banks’ active operations. This is because, firstly, an optimal level of profitability of assets allows a Bank to support normative levels of net interest margin and net interest income, which is an essential condition to ensure commercial banks’ financial stability. Secondly, the main aim of any commercial Bank is to maximize its income. Thirdly, the banks' profit is an important source for the formation of the capital base. However, in many countries with transitional economies, including Uzbekistan, there are problems connected with improving the profitability of the commercial banks active operations. In particular, big commercial banks of the Republic of Uzbekistan have a relatively high level of reserve deductions which are intended to cover future loan losses.
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