СТРАТЕГІЯ ЗАБЕЗПЕЧЕННЯ ФІНАНСОВОЇ БЕЗПЕКИ БАНКІВСЬКОЇ УСТАНОВИ ТА СУЧАСНІ АСПЕКТИ ЇЇ ДІАГНОСТИКИ

Abstract

The essence of the financial security of the banking system has been clarified. The main threats to the financial security of banking activities are presented. Internal threats to banks include: unbalanced structure of assets and liabilities; risky credit policy; insufficient level of innovative activity; low reliability of bank personnel; lack of liquid assets; lack of strategic management and effective marketing. External threats include: high level of competition, mistrust of banks, ineffective policy of the National Bank of Ukraine, unfavorable political and social situation. It is noted that the bank's security strategy is a set of measures of a managerial, regulatory, organizational, legal and economic nature, which contribute to the creation of a proper competitive environment in the financial market and ensure the protection of the legitimate interests of bank depositors and clients. The mechanism of formation and implementation of the strategy for ensuring the bank's financial security is considered. Emphasis is placed on the fact that the main strategy for ensuring bank security is formed for the long term and is a general management plan aimed at reducing the impact of destabilizing factors on the state of security, taking into account the intensity of their action at each stage of the life cycle of a financial and credit organization. It is noted that the inclusion of one or another set of risk neutralization methods in the protection strategy takes place according to the rule, where the main criterion is the minimum expected costs for the implementation of certain risk neutralization methods and the costs that cannot be avoided when applying the corresponding set of these methods. Measures to ensure the financial security of banking institutions are proposed. It was concluded that in order to strengthen the level of the bank's market security, it is necessary to use the bank's integrated marketing approach to managing banking activities, which will allow to understand the client's needs as quickly as possible and find the optimal solution for their satisfaction. In addition, bank security must be ensured both at the level of an individual bank (based on the implementation of bank management measures) and at the level of the banking system (based on the implementation of state measures aimed at protecting the interests of the bank and the banking system as a whole from internal and external threats).