Abstract
In the modern conditions of functioning of the banking system, the issues that arise with the assess¬ment of the stability of a commercial bank individually and the banking sector as a whole in connection with the aggravation of the negative impact of many risk-forming factors associated with the manifestation of the pandemic are updated. In this regard, a comprehensive systematization of the existing Russian and international practice of implementing a qualitative assessment of the stability of banking organizations becomes important. The purpose of the study is to identify trends in the development of the Russian banking sector and the manifestations of banking risks that have a negative impact on its stability, as well as to identify practical opportunities to reduce the impact of these risks. The following general scientific and special methods were chosen as scientific tools for conducting this study: the method of system analysis, the method of retrospective analysis, as well as the methods of statistical survey. The information base of the study was the statistical data of the Bank of Russia. The theoretical and meth¬odological basis of the study was the works of such researchers as Fetisov G. G., Lavrushin O. I., Tarkhanov E. A., Muraviev A. K. Ovchinnikov O. P., Betz A. Yu., Peresetsky A. A. Kromonov V. S., etc. The study is based on the basic definitions of the stability of banking organizations and the regulatory framework for assessing the stability of the Russian commercial bank, as well as methods, mechanisms and procedural components for assessing the stability of the Russian banking sector. The results of the study are aimed at identifying trends and risks that affect the stability of both the Russian banking system as a whole and individual commercial banks. As practical recom¬mendations, the directions for further sustainable development of the Russian banking sector in the context of the negative impact of the pandemic on the national economy are presented.
Highlights
Введение Одной из важных составляющих национальной экономики страны является банковская система, которой отведена роль в формировании денежных капиталов, удовлетворении потребностей предприятий в области производства и инвестиций, а также населения
The purpose of the study is to identify trends in the development of the Russian banking sector and the manifestations of banking risks that have a negative impact on its stability, as well as to identify practical opportunities to reduce the impact of these risks
The information base of the study was the statistical data of the Bank of Russia
Summary
В современных условиях функционирования банковской системы актуализируются вопросы, возникающие с оценкой устойчивости коммерческого банка в отдельности и банковского сектора в целом, в связи с обострением негативного влияния множества рискообразующих факторов, связанных с проявлением пандемии. Целью исследования является выявление тенденций в развитии российского банковского сектора и проявление банковских рисков, которые оказывают негативное влияние на его устойчивость, а также определение практических возможностей по снижению влияния данных рисков. Информационной базой исследования послужили статистические данные Банка России. Основу представленного исследования составили базовые определения устойчивости банковских организаций и нормативно-правовая основа проведения оценки устойчивости российского коммерческого банка, а также методики, механизмы и процедурные составляющие по оценке устойчивости российского банковского сектора. Результаты исследования направлены на выявление тенденций и рисков, влияющих на устойчивость как российской банковской системы в целом, так и отдельных коммерческих банков.
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