МЕТОДИЧЕСКИЕ ПОДХОДЫ К ОЦЕНКЕ ФИНАНСОВОЙ УСТОЙЧИВОСТИ БАНКА: РОССИЙСКАЯ И ЗАРУБЕЖНАЯ ПРАКТИКИ

Abstract

In conditions of economic instability, the most important factor in the development of the country's economy is the financial stability of the banking system. Commercial banks are economic entities whose activities significantly affect the functions of money, which makes them a key link in a market economy. In a state of continuous adaptation to changing macroeconomic conditions, the activities of commercial banks are exposed to significant risks, which contributes to the loss of financial stability. Ensuring and maintaining financial stability requires appropriate methods for its assessment. The article provides an analysis of methods for assessing the financial stability of a bank in the framework of Russian and foreign practices. The methodology of the Bank of Russia is considered as the main tool for assessing the financial stability of domestic banks. Also, the characteristics of the foreign methodology CAMELS are given. The article reveals the main advantages and disadvantages of the analyzed methods.