DEPOSIT POLICY OF COMMERCIAL BANKS AND IMPROVING ITS EFFICIENCY

Abstract

Commercial banks play a key role in bringing idle (dead) money funds in the economy into circulation. Efficient utilization of these funds and managing their placement is one of the most pressing issues today. In the context of increasing liberalization of the economy in our country, the growing demand for financial resources among commercial banks is leading to a heightened need for cheap and long-term funds. The formation of these funds and their effective management remain among the important tasks.
The redistribution of temporarily idle funds among banks and the attraction of additional resources from the financial market are contributing positively to the intensification of free competition [1].