scholarly journals ASSESSMENT OF ECONOMIC SECURITY OF A COMMERCIAL BANK: COMPARATIVE ANALYSIS OF APPROACHES AND ISSUES OF IMPROVEMENT

2020 ◽  
Vol 3 (№12 2020) ◽  
pp. 457-462
Author(s):  
О.М. Avtushenko ◽  
N.A. Kulagina ◽  
О.S. Nadezhina
Keyword(s):  
Comparative Analysis ◽  
Commercial Bank ◽  
Economic Security

Unemployment as an indicator of economic security in the employment sector: A regional dimension

2020 ◽  
Vol 16 (4) ◽  
pp. 715-729
Author(s):  
T.N. Savina
Keyword(s):  
Comparative Analysis ◽  
Age Groups ◽  
National Development ◽  
Federal District ◽  
Economic Security ◽  
Employment Policy ◽  
Multivariate Statistical ◽  
Band Theory ◽  
The Republic ◽  
The Impact

Subject. To achieve a high level of economic security is a key priority of national development. Employment reveals one of the most important aspects of social development of the individual that is associated with his or her needs satisfaction in the sphere of employment and is boon to economic security. Objectives. The purpose of the study is to show the impact of unemployment on economic security in employment. Methods. I apply such scientific methods as dialectical, historical and logical unity, structural and functional analysis, traditional techniques of economic analysis and synthesis. The methods of multivariate statistical and comparative analysis serve as a methodological basis of the study. To determine the indicator of unemployment, I use the band theory. Results. I underpin the growing role of employment in ensuring economic security. The paper presents a comprehensive assessment of the unemployment status and a comparative analysis of the indicator in the Republic of Mordovia, the Volga Federal District, and the Russian Federation as a whole. I identify trends in the average duration of unemployment, show the distribution of unemployed by level of education and age groups. Conclusions. The average annual unemployment rate in the Republic of Mordovia is lower than in Russia and the Volga Federal District. The findings may be useful for public authorities to substantiate their employment policy at both macro- and meso-levels, for designing programs and strategies for socio-economic development of regions and the social security doctrine, as well as in practical activities of employment services.

Comparative Assessment of Poverty Indicators in the European Part of the CIS and the European Union as a Social Criterion of Economic Security

2020 ◽  
Vol 26 (9) ◽  
pp. 924-939
Author(s):  
V. A. Tsvetkov ◽  
K. Kh. Zoidov ◽  
K. S. Yankauskas ◽  
Sh. Kobil
Keyword(s):  
European Union ◽  
Comparative Analysis ◽  
Poverty Reduction ◽  
Economic Security ◽  
Actual State ◽  
The European Union ◽  
Poverty Dynamics ◽  
Subsistence Level ◽  
Strategic Objectives ◽  
Poverty Indicators

The presented study comparatively analyzes indicators of the level of poverty and social inequality in Belarus, Ukraine, Moldova, and the European Union (EU) as a criterion of national economic security.Aim. The study aims to examine existing approaches to determining the level of poverty and its dynamics and to consider suggestions for improving this methodology.Tasks. The authors examine and comparatively analyze approaches and methods for determining the level of poverty and its dynamics in the European Union and the CIS countries that are not members of the Eurasian Economic Union (EAEU).Methods. This study uses the methods of systems analysis, evolutionary-institutional theory, and historical approach.Results. Determining the level of poverty based on the number of citizens with incomes below the subsistence level can lead to misrepresentation of the actual state of this phenomenon. Calculation of poverty indicators based on consumer spending provides more accurate data on the level of poverty in a country where a significant share of the population’s income is generated by remittances from individuals living abroad, which are not reflected in official income statistics. A comparative analysis of poverty dynamics shows that in 2013 the level of poverty in all four examined countries decreased compared to 2006. Poverty dynamics in Russia and Belarus is more synchronized than in Ukraine and Moldova. A common methodology for calculating the level of poverty in all EU countries makes it possible to conduct a more thorough comparative analysis of poverty dynamics and to formulate more accurate recommendations in the field of anti-poverty policies. Based on the identified poverty dynamics in the EU and Russia, it is highly possible that strategic objectives on poverty reduction in the European Union and Russia will not be completed.Conclusions. To exclude the possibility of interested authorities influencing the dynamics of the poverty indicator by changing its threshold values depending on the current economic or political situation, it is necessary to switch to comprehensive assessment of this indicator in Russia. For comparative cross-country data analysis, it is advisable to consider the possibility of creating a Eurasian Statistics Service within the EAEU that would collect statistics and standardize statistical methods among the EAEU member states.

scholarly journals Economic Security Threat Modelling of a Commercial Bank in a Globalized Economy

2020 ◽  
pp. 142-151
Author(s):  
О.V. Dymchenko ◽  
О.О. Rudachenko ◽  
P. Gazzola
Keyword(s):  
Commercial Bank ◽  
Fuzzy Inference ◽  
A Priori ◽  
Economic Security ◽  
Security Threat ◽  
Research Information ◽  
Inference System ◽  
Security Research ◽  
Threat Modelling

In the paper, one develops a set of models for diagnosing threats to the economic security of a commercial bank, which allows improving the quality of decisions forming and making on managing the safe functioning and development of the bank. The bank's economic security research system has been developed, it includes 3 main blocks: research information space creation; assessment and analysis of the security of a commercial bank; generalization, and formation of decisions on the economic security of a commercial bank. The research made it possible to draw an inference of a theoretical, methodological, and applied nature that reflects the solution of the tasks set following the purpose of the study. A set of models has been built with modern tools of economic and mathematical modelling to improve the quality of decisions made to manage the bank's security and reduce the risks of threats. A model for calculating the bank's economic security indicator has been developed, which includes the following main stages: the construction of a structural scheme taking into account the rules of the theory of banking functioning security, then the terms and their membership functions are set for each input and output variable of the fuzzy inference system under consideration. Results of the response surface for the model are shown in the figure on the graphs of the dependence of the bank's economic security indicator on various input components. The paper requires that it is convenient to diagnose the state of economic security of a bank using fuzzy logic, this allows getting a clear quantitative representation of economic security state of the bank, as the indicators used for diagnostics may be indistinct and approximate and this a priori cannot give an adequate result when accurately calculated.

scholarly journals CREDIT POLICY OF A COMMERCIAL BANK IN CONDITIONS OF UNCERTAINTY OF THE ECONOMIC ENVIRONMENT

2021 ◽  
Vol 5 (40) ◽  
pp. 65-75
Author(s):  
О. Kovalova ◽  
M. Iorgachova
Keyword(s):  
Commercial Bank ◽  
Financial Services ◽  
Economic Security ◽  
Capital Adequacy ◽  
Economic Environment ◽  
Credit Policy ◽  
Holistic View ◽  
General Decline ◽  
Banking Institutions ◽  
Analytical Tools

Abstract. The article examines the concept of «credit policy» through the prism of the functions outlined in the development strategy of the banking institution, which is primarily aimed at maximizing resources for rapid response to uncertainties of the external and internal environment. The complex of identified key characteristics allowed to form a holistic view of the nature and specific features of the commercial bank’s credit policy. The article underlines that in conditions of uncertainty, the bank should take into account external and internal environmental factors that have a direct impact on the dynamics of lending to individuals and businesses, and need to be considered at the stage of strategic financial planning, monitoring the implementation of set tasks and in order to timely adjust the policy according to the banking institution’s needs for financial and economic security. The systematised factors are interrelated and interdependent and can have a multifaceted impact on the current state of the credit services of banking institutions’ market and such market’s trends. The article establishes the role of analysis and monitoring of banking institutions’ credit operations in the context of ensuring the effective results of the commercial bank’s credit policy. It is identified that credit risk is now in the spotlight of banking institutions along with the risks of capital adequacy and legal risks, due to the general decline in economic activity of consumers of financial services as a result of the epidemiological crisis and the introduction of quarantine restrictions, which reduced household incomes and negatively affected the financial situation of enterprises. The dynamics of changes in the share of NPLs by groups of banks is analysed, revealing foreign banks’ active work with NPLs. The study pays attention to the use of analytical tools of the commercial bank’s credit policy as a means of managing its financial and economic security in conditions of uncertainty, which concerns constant monitoring of loan portfolio quality and timely detection of NPLs. It also suggests the sequence of lending steps specifying practical aspects of use of analytical tools of credit policy. Keywords: credit policy, commercial bank, management, uncertainty, economic environment, analytical tools, financial market. JEL Classification E51, G21 Formulas: 0; fig.: 7; tabl.: 0; bibl.: 14.

Priestorové disparity socio-patologického javu kvality života na príklade kriminality v Bratislavskom samosprávnom kraji

2020 ◽  
Author(s):  
Miroslava Trembošová ◽  
Alena Dubcová ◽  
Miroslav Dragula
Keyword(s):  
Quality Of Life ◽  
Comparative Analysis ◽  
Property Crime ◽  
Economic Security ◽  
Moral Property ◽  
Basic Tool ◽  
Capital Cities ◽  
The People ◽  
Spectrum Area

The quality of life of the people is a broad spectrum area of scientific research. It is measured through 9 indicators, which include an indicator of physical and economic security, which includes a negative phenomenon - criminality. The aim of the paper is spatial analysis of criminality as one of the elements of quality of life in the Bratislava self-governing region (BSR) in four areas (violent, moral, property and economic), as well as a comparison of the crimes of the capital cities Bratislava and Prague. The basic tool of data processing is comparative analysis and techniques in GIS and Excel programs. Most criminal acts in Slovakia are committed in BSR and in Bratislava. The highest number is recorded in property crime, especially car robbery committed and car theft. 18.6% of all criminal offences in Slovakia were committed in BSR (69,635 in 2016). 56.7% were cleared up and only 43% in BSR. Although the Czech capital, Prague, has a population three times bigger than Bratislava, it has only two times larger amount of crimes per 1,000 inhabitants. In recount of 1,000 inhabitants Bratislava exceeds Prague in violent crime, which we consider to be a serious socio-pathological phenomenon of society which reflects in the quality of life of its inhabitants.

scholarly journals Methods for assessing the enterprise economic security as a tool to diagnose threats to development

2020 ◽  
Vol 16 (5) ◽  
pp. 835-859
Author(s):  
I.V. Vyakina
Keyword(s):  
Comparative Analysis ◽  
Cumulative Effect ◽  
Business Environment ◽  
Economic Security ◽  
New Approach ◽  
Scientific Methods ◽  
Analog Approach ◽  
Unique Approach ◽  
Pros And Cons ◽  
General Scientific

Subject. The article addresses issues of enterprise economic security, its assessment, and measures to prevent threats, taking into account the scale and nature of the latter. Objectives. The focus is on underpinning a unique approach to devising a new method intended to identify and diagnose external and internal threats that negatively affect the level of economic security and have a potential to jeopardize the development of economic entities. Methods. The study rests on methods of theoretical, systems, logical, and comparative analysis of academic literature, general scientific methods, like analysis, synthesis, induction, deduction, comparison, generalization, the analog approach, and graphics simulation. Results. The paper offers a concept for assessing the enterprise economic security, which is based on the diagnosis of threats and identification of opportunities for development. I explored the modern methodology for monitoring the economic security at the micro level, conducted a comparative analysis of existing methods and approaches, revealed their pros and cons, and presented a new approach to the evaluation of enterprise economic security. Conclusions. The level of enterprise economic security is assessed in conjunction with the current and projected state of enterprise’s potential and risk factors of business environment. If the cumulative effect of risks is significantly higher than the potential, the threats will arise, which may impede the enterprise operation and development.

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