EFFECTIVE WAYS TO IMPROVE THE LIQUIDITY OF COMMERCIAL BANKS

Abstract

This article examines effective ways to improve the liquidity of commercial banks and their role in ensuring the stability of the banking system. The study provides a systematic analysis of the concept of bank liquidity, its main indicators, and the factors influencing liquidity. In addition, modern methods of liquidity management in commercial banks are discussed, including asset and liability management, optimization of the share of liquid assets, diversification of the deposit base, and the importance of risk management mechanisms. The article also explores advanced international practices in liquidity management and evaluates the possibilities of their application in the national banking system. Furthermore, the role of digital technologies, financial innovations, and central bank policies in enhancing bank liquidity is analyzed.