Methodological Aspects and Distinctive Features of the Risk Management Mechanism of Commercial Banks

In the modern financial system, commercial banks play a crucial role in mobilizing financial resources, ensuring payment circulation, and supporting economic growth . However, banking activities are inherently associated with various types of risks, including credit, market, liquidity, and operational risks. Ineffective management of these risks can threaten not only the stability of individual banks but also the resilience of the entire financial system.