The monograph studies the mechanisms for increasing the role of bank loans in the digital economy, conducts correlation-regression analyses, and improves lending practices based on methodological analyses. It is shown that the practical result of improving lending practices by commercial banks is an increase in the country's GDP, an increase in population income, and a positive impact on the employment rate.The monograph shows that employees of commercial banks of the Republic of Uzbekistan are developing credit policies, improving lending practices, and researchers, students of higher education institutions, are developing their own methods in conducting independent scientific research, scientific projects Steering wheel and banks, Banking, Banking risks, Asset and liability management of commercial banks their use in strengthening the practical basis of such sciences as possible.