Abstract
The object of research is the internal and external threats to the financial security of Ukrainian banks. One of the biggest problems of banking institutions is the presence of threats and their identification and ranking in order of importance, significance and impact on financial security.In the course of research, the following methods are used: abstract-logical, comparative analysis, statistical, monographic, expert assessments, graphical, tabular, dialectical. For risk analysis, a system of indicators is proposed, which are formed taking into account the methods of decomposition, analysis and synthesis. In identifying threats to field research, an analysis of the literature of specialists in the field of financial security of banks is applied.The studies are based on the following hypothesis: for commercial banks, which differ in the form of ownership, the structure of their own capital, and the group into which the bank belongs, various threats and dangers will dominate. This requires mandatory consideration when assessing the level of financial security and developing appropriate management decisions and justifying measures to improve it.The obtained result is in identification of the most significant threats to the financial security of a commercial bank from the point of view of banking practitioners. This is due to the fact that the prioritization of threats to the financial security of banks, the determination of the degree of importance and the strength of the impact will help to form the basis for the selection of early warning and countermeasures. As well as developing strategic and tactical alternatives to ensure an adequate level of financial security.The proposed classification of threats, which takes into account the assessment of the level of importance and the importance of threats by bank employees of different qualifications and management level. The proposed classification of threats is universal for all banking institutions in different regions.
Highlights
The problem of ensuring a high level of financial security of banks is a pressing and urgent cause of high interdependence with both the state of the financial system of the country and the standard of living of each person
In order to form a methodological basis for ensuring financial security, it is important to determine the theoretical aspects, and to investigate the specifics of the practical activities of economic entities in various sectors and fields, including banking institutions
The author of this work notes that the restoration and maintenance of an adequate level of financial security of banks is possible only if the recovery of the system of detection, classification, localization of threats and risk management of banks in a changing external environment
Summary
The problem of ensuring a high level of financial security of banks is a pressing and urgent cause of high interdependence with both the state of the financial system of the country and the standard of living of each person. Investigating the problems of financial security of the bank, we conclude that the first priority is to study the threats and dangers. The author of this work notes that the restoration and maintenance of an adequate level of financial security of banks is possible only if the recovery of the system of detection, classification, localization of threats and risk management of banks in a changing external environment. In [2], the authors use the concept of «risk» and justify the urgent need to manage bank risks to ensure the security of a commercial bank. The development and implementation of any decisions to improve and ensure a high level of financial security of the bank should be based on certain, ranked and conscious threats
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