FUNCTIONING OF THE SYSTEM OF PRIVIDING FINANACIAL SECURITY OF COMMERCIAL BANKS

Abstract

Introduction. Annexation of Crimea and the escalation of the conflict in the East, unfair competition, offshore of banking, inefficient activities of the state, which primary task is to create favorable conditions for business, including banking and gaps in legislation create commercial banks conditions under which they have to pay special attention to ensure their own financial security in order to ensure profitable operation in the current market conditions in which banking business is functioning. Purpose. To ensure effectively system of the financial security of commercial banks should be used systematic and comprehensive approaches. Systematic approach to ensure the financial security of commercial bank is used to develop an appropriate provision system of financial security of the bank and a comprehensive approach – to involve the development of a package of organizational and economic measures to ensure stable functioning of the bank to the achieve the appropriate level of its financial security under the condition of elimination of external and internal threats. Results. Thus, we determined that the system of providing financial security of commercial bank is serving environment for the organizational and economic mechanism of ensuring financial security of a commercial bank. In turn, the structural elements of the organizationaleconomic mechanism of ensuring financial security of a commercial bank are components of financial security management software and components of implementation management of financial security of commercial banks. Thus, the components of financial security management software of a commercial bank are regulatory, informational, methodological, analytical and technical and technological support. The components of implemention management financial security of commercial banks, in our view, is toolkit of ensuring the financial security of the commercial bank, functional and process-organizational mechanisms of insuring financial security of commercial banks. The efficiency of ensuring financial security of commercial bank based on principles. In our view, a list of principles of ensuring financial security should be supplemented by the following principles: legality, measurability, controllability, trust partnerships, alternative and economy. In turn, the guidelines of ensuring financial security of the bank, in our opinion, is a socio-economic, financial, innovative, competitive, detection and neutralization of risks and threats to financial security, compliance functioning of the bank with regulatory requirements of the National bank of Ukraine. An important element of ensuring the financial security of the bank is a method of determining the level of financial security and effectiveness of bank support, based on the financial performance of the bank and developed integral index of financial security of commercial bank. Thus the diagnosis banks financial security, based on the calculation of the integral indicator to assess the effectiveness of organizational and economic measures designed to ensure the financial security of the bank and determine the strategic positioning of the bank in the environment. Conclusion. Thus, on the basis of the analysis system of ensuring the financial security of the bank is defined as a set of structural elements (goals, principles and guidelines to ensure the financial security of the bank and the relevant organizational and economic mechanism) which in interaction with the outside and within the internal environment of functioning of the bank, provide implementation of a comprehensive strategy to achieve a certain level of its financial security.