The aim of this study is to conduct a critical analysis of existing theoretical positions on bank risk management, taking into account the interests of different stakeholder groups, and to develop a model for their communication and interaction with the bank to avoid insolvency risks. The relevance of this research is determined by the fact that, in modern economic conditions, the insolvency of banks affects not only the ability of clients to freely operate their funds placed in bank deposits but also significantly influences the stability of the country's financial system as a whole, since banking institutions are financial intermediaries in the financial market and significantly affect the macroeconomic indicators of the country. The following methods were used in writing the article: theoretical analysis, critical review, quantitative analysis, modeling, and analysis of legislation. The article thoroughly examines the important topic of managing insolvency risks of banks, focusing on the interests of various stakeholder groups. The author conducts an in-depth analysis of the relationship between banking liquidity and solvency, considering them as key elements of the stability of the banking system. The practical value of the article lies in the fact that the author presents a critical review of existing theoretical approaches to managing banking risks, including the assessment of quantitative-qualitative indicators of different types of banking liquidity risk. Special attention is given to the development of a model of communication and interaction between banks and their stakeholders, aimed at avoiding insolvency risks. The author proposes a comprehensive approach to identifying and managing different categories of risks, taking into account the interests of all stakeholders. A key aspect of the article is the development of an effective model for interaction with stakeholders, which allows optimizing risk management and ensures greater transparency and openness in banking activities. As a result, the article provides valuable information for professionals in the field of banking management and risk management, and can also be useful for developing strategies for banks' interaction with stakeholders in the context of managing financial risks.