Risk management of credit institutions as a factor of investment activity development

Abstract

Bank risk can be described as a «special» type of risk reasonably. On the one hand, the risks of credit institutions are caused by the risks of activities of clients in different spheres of their activities. On the other hand, the crisis phenomena in the banking sector may be more significant and serious in terms of losses and the extent of spread, as they affect the financial interests and investment opportunities of many counterparties that are linked by monetary obligations. Assessment of market risks of credit institutions is a complex and complex task based on the application of various models taking into account international standards and Russian banking practice. The purpose of the work is to research the methodological and practical aspects of risk assessment of a credit institution. As a result, it is necessary to solve such basic tasks as: 1) to identify the essence and features of risk assessment of credit institutions, taking into account international standards to ensure their financial stability and development of investment activities; 2) to determine the most significant risks and methods of their management in the Russian banking practice; 3) to show the specifics of the process of integrated risk management at the level of a credit institution in modern conditions. In the scientific article it is proved that the need for an adequate assessment of risks and improving the quality of their management is an urgent task both at the level of «monetary authorities» and at the level of credit institutions for the development of investment activity. The paper studies the methods of risk assessment of credit institutions taking into account international standards and their practical application in risk management in Russian practice.