EXPERIENCES OF THE UNITED STATES AND EUROPEAN COUNTRIES IN IMPROVING THE CONCEPTUAL FRAMEWORK OF BANK ASSET EFFICIENCY IN THE PROCESS OF ECONOMIC REFORMS

Abstract

In the current context of globalization, the role of the banking system in the effective implementation of economic reforms is incomparable. In particular, the effective management of commercial banks’ assets is an important factor in ensuring financial stability, increasing investment activity and stimulating economic growth. The effectiveness of bank assets is closely related not only to the bank’s internal management system, but also to the general macroeconomic environment and institutional factors1.
Studying the experience of developed countries, in particular the United States and European countries, in the process of economic reforms allows us to identify modern approaches to improving the efficiency of bank assets.
The US banking system is one of the most developed and competitive systems in the world. The following approaches play an important role in improving the efficiency of assets in this system: