This article examines the structure of resource bases and capital adequacy mechanisms in major international commercial banks, with a focus on JPMorgan Chase and Wells Fargo. The analysis reveals that deposits remain the primary source of funding, while long-term liabilities and shareholder equity play a crucial role in ensuring financial stability. The Basel Committee’s capital adequacy standards serve as an essential benchmark, enhancing banks’ capacity to absorb risks. The findings are of practical relevance for Uzbekistan’s banking sector in terms of diversifying resource bases, optimizing capital structure, and strengthening liquidity management.

This article provides a theoretical and practical analysis of factors affecting the financial stability of state-owned enterprises. The study examines the economic essence of financial stability and its relationship with internal and external factors. Factors influencing financial stability are classified into financial and non-financial groups, and a mechanism for their regulation is developed. The findings confirm that effective management of liabilities and cash flows, as well as the improvement of investment policy, enhance the solvency and investment attractiveness of enterprises. The conclusions obtained are of practical importance for developing long-term strategies for state-owned enterprises