EFFECTIVE FINANCIAL DECISIONS AND RISK MANAGEMENT IN JOINT-STOCK COMPANIES

In recent years, financial decision-making and effective risk management in joint-stock companies have been considered one of the most important factors for sustainable development and competitiveness. According to world statistics, 42% of project failures are associated with improper risk management, and companies lose about 5% of their income annually as a result of financial and operational risks. Therefore, risk identification and management strategies are of great importance in order to protect the interests of shareholders and ensure sustainable growth. This article analyzes modern approaches to financial decision-making and risk management in joint-stock companies, current statistical trends, best practices, and the effectiveness of integrated risk management systems. The impact of financial transparency and international standards on investment attractiveness and strategic planning is also discussed.