THE IMPACT OF DIGITAL TRANSFORMATION AND ESG INTEGRATION ON THE EFFICIENCY OF ATTRACTING FOREIGN CREDIT FUNDS BY COMMERCIAL BANKS

This article scientifically analyzes the impact of digital transformation, risk management system and ESG (Environmental, Social, Governance) principles on the process of attracting foreign credit funds by commercial banks in the digital economy. The study substantiates how banks' data transparency, artificial intelligence-based risk assessment mechanisms, stress testing system and green financing indicators affect foreign credit terms. The reduction in the term of credit attraction and the reduction in interest rates as a result of digitalization are analyzed from the point of view of economic efficiency. The results of the study show that banks with a high level of digital infrastructure and ESG adaptation will have a competitive advantage in international financial markets.