This article examines the institutional and innovative mechanisms for the formation of deposit resources in commercial banks under conditions of economic reforms. The study highlights the role of deposit resources in ensuring banking system stability, maintaining liquidity, expanding lending capacity, and supporting investment activity. Special attention is given to key indicators of deposit base efficiency, including the volume and growth rate of deposits, maturity structure, cost of attracted resources, diversification level, and the share of deposits in the national currency. The article also analyzes the importance of institutional coordination, the regulatory role of the Central Bank, deposit insurance mechanisms, financial literacy, and public confidence in strengthening the deposit base of commercial banks. In addition, digital banking services, online deposit platforms, mobile applications, remote identification systems, fintech solutions, and Islamic finance instruments are considered as innovative tools for attracting stable and long-term deposit resources. The study develops scientific and practical recommendations for forming a stable, diversified, and competitive deposit base in commercial banks by adapting international best practices to national economic conditions.
Shavkat Mavlonxonovich Marpatov (Thu,) studied this question.