IMPROVEMENT OF DEPOSIT POLICY IN COMMERCIAL BANKS AND ITS IMPACT ON FINANCIAL STABILITY

Abstract

This article analyzes the theoretical and practical aspects of improving the deposit policy of commercial banks. The study examines issues related to increasing the efficiency of attracting deposit resources, expanding the share of long-term deposits, and ensuring the stability of bank liquidity. Based on the research results, scientific and practical recommendations have been developed to improve deposit policy through diversification of deposit products, implementation of bonus mechanisms, and integration with investment instruments.