АНАЛІЗ НАУКОВО-ПРАКТИЧНИХ ПІДХОДІВ ПОПЕРЕДЖЕННЯ НЕПЛАТОСПРОМОЖНОСТІ БАНКІВ

Abstract

The aim of the study was to investigate the mechanisms of bank insolvency and explore the possibilities of applying technological innovations for risk management and ensuring financial stability of banks. The relevance of this research lies in its focus on understanding the causes and mechanisms of bank insolvency, as well as identifying possible ways to prevent this phenomenon and maintain financial stability in the banking sector. Given the dynamics of the economic environment, changes in legislation, and technological innovations, understanding risks and mechanisms of their management becomes extremely important for ensuring the stability of the banking system and protecting the interests of financial market participants. Such research can serve as a basis for developing risk management strategies in the banking sector and contribute to strengthening trust in banks and the financial system as a whole. The study employed the following research methods: specification – the research refined the terminology and definitions of bank insolvency to understand which criteria determine this status; systematization – various aspects of bank insolvency were structured, such as causes and indicators; literature review with analysis of the material found; theoretical modeling – development of theoretical models of causes and consequences of bank insolvency; classification. The obtained results of the research provide a comprehensive understanding of the causes of bank insolvency, determine the parameters of this phenomenon, and consider possible ways of regulation and risk management. The importance of using technological innovations, such as machine learning and data analytics, to improve the efficiency of risk management and ensure financial stability of banks is also emphasized. This article makes an important contribution to the study of financial stability of banks through its systematic analysis and scientific approach to the issue of insolvency. It examines various aspects of this phenomenon, from conceptual foundations to practical applications, focusing on economic, legal, and technological aspects. The article introduces innovative approaches to risk analysis in the banking sector, using advanced research methods.