scholarly journals Contents and principles of stability of the banking system

2019 ◽  
Vol 27 (1) ◽  
pp. 63-71
Author(s):  
Hadir H. Shubbar ◽  
Andrey V. Guirinsky
Keyword(s):  
Financial Stability ◽  
Banking System ◽  
Surveillance Systems ◽  
Banking Supervision ◽  
Basic Principles ◽  
Factors Affecting ◽  
The Stability ◽  
Future Work ◽  
The International Monetary Fund

The main approaches to understanding the essence of “stability of banking system” are conducted in the article. The basic principles are also given, inherent in a stable banking system. Further, the main factors affecting the stability of the banking system are considered. The article determined the components of ensuring the assessment of the bank’s financial stability. The basic principles of effective banking supervision are the actual minimum standard for prudent regulation and supervision of banks and banking systems. Initially issued by the Basel Committee on Banking Supervision in 1997, they are used by countries as a guide to assess the quality of their surveillance systems and to determine future work towards achieving a basic level of rational oversight practices. The core principles are also used by the International Monetary Fund (IMF) and the World Bank in the context of the Financial Sector Assessment Program (FSAP) to assess the effectiveness of banking supervisory systems and country practices.

MODELING THE INFLUENCE OF THE STRUCTURE AND QUALITY OF ASSETS ON THE PROFITABILITY OF A COMMERCIAL BANK

2021 ◽  
pp. 10-18
Author(s):  
Alena S. Kudriavtseva ◽  
Olga G. Arkadeva
Keyword(s):  
Economic Analysis ◽  
Commercial Banks ◽  
Financial Stability ◽  
Banking System ◽  
Factors Affecting ◽  
Correlation And Regression Analysis ◽  
The Stability ◽  
Classical Economic ◽  
Sound Management

In modern conditions, the methods of classical economic analysis are not enough to solve the problem of bank stability. This requires the development of methods and tools to analyze the current situation in the bank and to develop sound management decisions aimed at ensuring the stability of the bank. The article notes that the analysis of the influence of the structure and quality of assets on the profitability of commercial banks is an important step for assessing the financial position and reliability of a bank, and a method is proposed for constructing a model of the dependence of bank’s profitability on the factors that determine it. The scientific sources were the works of Russian and foreign researchers in the field of modeling and characteristics of the banking system, financial stability of credit institutions, assessment of the creditworthiness of potential borrowers, system organization and information technology. The article uses the methods of economic analysis, differential calculus and mathematical statistics, as well as the achievements of the main scientific schools dealing with the problems of economic and mathematical modeling and economic analysis of banking. In order to determine the most significant economic factors affecting the profitability of commercial banks, generalization of the theoretical, methodological and applied aspects of studies devoted to the study of the influence of the structure and quality of assets on the profitability of commercial banks was carried out, and a correlation and regression analysis was made. The model presented in the article can be used to predict changes in the profitability of Russian commercial banks and to predict promising directions for growth in profit and profitability of the bank.

Basle Committee on Banking Supervision: Basle Core Principles for Effective Banking Supervision

1998 ◽  
Vol 37 (2) ◽  
pp. 405-432 ◽  
Keyword(s):  
World Bank ◽  
International Monetary Fund ◽  
Financial Stability ◽  
Banking System ◽  
Banking Supervision ◽  
Financial Systems ◽  
The World Bank ◽  
The World ◽  
Bank For International Settlements ◽  
The International Monetary Fund

Weaknesses in the banking system of a country, whether developing or developed, can threaten financial stability both within that country and internationally. The need to improve the strength of financial systems hasattracted growing international concern. The Communique issued at the close of the Lyon G-7 Summit in June 1996 called for action in this domain. Several official bodies, including the Basle Committee on Banking Supervision, the Bank for International Settlements, the International Monetary Fund and the World Bank, have recently been examining ways to strengthen financial stability throughout the world.

scholarly journals Implementation of the Basel Core Principles for Effective Banking Supervision - Experience with Assessments and Implications for Future Work

Policy Papers ◽  
2008 ◽  
Vol 2008 (4) ◽  
Author(s):  
Keyword(s):  
Financial Stability ◽  
Good Practice ◽  
Banking Supervision ◽  
Collaborative Relationship ◽  
Basel Committee ◽  
Working Groups ◽  
Future Work

This paper reviews the experience to date in assessing countries’ compliance with the Basel Core Principles for Effective Banking Supervision (BCP). This review is based on 136 assessments conducted under the FSAP/OFC programs, using the methodology associated with the 1997 version of the BCP. It follows earlier reviews presented to the Board in 2000, 2002, and 2004. The Fund has developed a strong collaborative relationship with the Basel Committee in promoting financial stability, in particular, in its work through the FSAP program in assessing (together with the Word Bank) the quality of countries’ supervisory structures. Experience gained from these assessments are also being reported back to the Committee through the Fund’s participation in Basel working groups, and staff has also been actively involved in the update of the BCP in 2006, with the objective of maintaining the BCP’s relevance as a global standard of good practice.

scholarly journals Estabilidade Financeira e Estrutura de Mercado: Evidências Internacionais

2012 ◽  
Vol 10 (1) ◽  
pp. 7
Author(s):  
Marcos Soares da Silva ◽  
José Angelo Divino
Keyword(s):  
Financial Markets ◽  
Financial Stability ◽  
Banking System ◽  
Dynamic Panel Data ◽  
The World Bank ◽  
Market Economic ◽  
Bank Regulation And Supervision ◽  
The Stability ◽  
The One ◽  
The International Monetary Fund

Although the economic theory recognizes the ambiguous relationship between market structure and stability of the bank sector, some models, such as the one of competition-fragility by Allen and Gale (2004), suggest that increasing competition leads financial institutions to take more risks. As a result, financial markets that are more concentrated also present higher financial stability. To assess this hypothesis, we estimate a dynamic panel data model for 41 countries in the period from 1987 to 2007. The econometric model included covariates for level of income, characteristics of the financial market, economic environment, and macro prudential regulation. We used the following databases: “A new database on financial development and structure” and “Bank regulation and supervision”, from the World Bank, and “Systemic banking crises: a new database”, from the International Monetary Fund. The results indicate that the greater the market concentration the higher the stability of the banking system.

scholarly journals TO IMPROVE THE ANALYSIS OF THE FINANCIAL SECURITY OF THE BUSINESS IN GEORGIAN ENTERPRISES

2020 ◽  
pp. 135-147
Author(s):  
IZOLDA CHILADZE
Keyword(s):  
Financial Management ◽  
Financial Stability ◽  
Factor Model ◽  
Limited Liability ◽  
Sustainable Growth ◽  
Sustainable Business ◽  
Growth Trend ◽  
Factors Affecting ◽  
The Stability ◽  
And Control

The purpose of this paper is to improve the analysis of the financial stability of enterprises and to identify the key factors affecting the establishment of the sustainable growth trend of enterprises (except the financial sector) in Georgia. Answering the question: what financial challenges do enterprises in Georgia face today and be designed consequently, recommendations for strengthening the financial stability of enterprises should be developed in Georgia, increasing solvency and mitigating bankruptcy risks? The necessity for the financial stability of enterprises is becoming increasingly important both for sustainable business growth and for the stability of the international financial market.The subject of the study is the financial positions and financial results of the analytical enterprises. The first and second categories of joint-stock companies of Georgia and limited liability companies were selected as the research objects. Ten enterprises in total. The research methodology includes methods of economic and statistical analysis, factor analysis, vertical, horizontal, proportional and ratio analysis.In order to improve financial management and control, the paper presents multi-factor models of several indicators created by the author. These are: the tree-factor model the coefficient of the organic structure of capital, an eight-factor model of profitability and a six-factor model of the Financial leverage. The paper conducts practical research on the example of ten Georgian companies and concludes that the main challenges in today›s Georgia are the dangers of losing financial stability and bankruptcy. The reason for such a tense financial situation is not a «Corona-19». According to the author, the main reasons for the instability of enterprises in Georgia are: The Irresponsibility of business owners and management, low management professionalism and hidden flows of cash resources.

scholarly journals Exploration of Factors Affecting Learners' Motivation in E-learning

2019 ◽  
pp. 1269-1275
Author(s):  
Shubham Dubey ◽  
Biro Piroska ◽  
Manjulata Gautam
Keyword(s):  
Dropping Out ◽  
Individual Factor ◽  
Factors Affecting ◽  
E Learning ◽  
Learning Platforms ◽  
The Common ◽  
Khan Academy ◽  
Future Work ◽  
The Impact

The world is changing rapidly, so is academics. E-learning has altered the area of academics and education. ICT enabled learning has given ideal services to students by providing any type of content on demand which is proportional to the performance of students. The concentration of learner has been found instinctive; thus there is a need of engaging mind towards course progress with its entirety till the objectives of the course will be achieved. There are several e-learning platforms available as EdX, Udacity, Khan Academy, Alison those have a number of learners registered for various courses. Studies suggest that these platforms suffer from the common problem of learners’ dropping out. Investigations also claim early leaving rate is increasing due to lack of quality of content, distraction factors, learners’ mind change, outdated and succinct information, and some more detraction factors. These issues have been observed on the basis of early leaving rates in various MOOCs. Thus there is a mammoth scope for minimizing the impact of these reasons on the learners’ mind. It can be achieved by identifying these factors affecting learners’ motivation during the course. This study is aiming on identifying these factors. The approach is to explore some certain keywords on previous literature (total 41) and then calculating their frequencies and co-factors associated with them. Both grouped factors contribution and individual factor contribution have been taken care. The study gives a direction for future work towards overcoming these actor and engaging learners in ICT enabled learning.

Model Mediated Telemanipulation

2006 ◽  
Author(s):  
Probal Mitra ◽  
Gu¨nter Niemeyer
Keyword(s):  
Force Feedback ◽  
Sensory Information ◽  
Virtual Model ◽  
Basic Principles ◽  
Natural Motion ◽  
New Information ◽  
Remote Environment ◽  
The Stability ◽  
Master Device

A telemanipulation system allows a human user to manipulate a remote environment using a local interface (master robot) to control a remote (slave) robot. In doing so, it is desirable to provide users with appropriate sensory feedback, most often taking the form of visual and force information. In the presence of communication delays, however, a force feedback telemanipulation system must overcome detrimental effects caused by the delay, both on the quality of feedback to the user and the stability of the control system. For large delays, like those experienced in space telerobotics, the user's perceptive abilities are distorted and challenged by the lag between action and response. With this paper, a user-centered approach is proposed which seeks to simultaneously provide stable master-slave interaction as well as a natural user experience, tolerant of large delays. Rather than directly sending sensory information from the slave robot to the user, the goal is to use this information to create a real-time virtual model of the remote environment, which then serves as the user's interface. Maintaining a dynamic, virtual model locally at the master-side, the user is provided with immediate visual and haptic responses to his/her actions through the master device. At the remote site, the slave robot tracks the user's continuous and natural motion commands, while providing new information needed to update the virtual model. This method abstracts the data transmitted between the sites and creates greater delay tolerance. The basic principles of the approach are demonstrated on a simple one-degree of freedom telerobotic system, with a rigid, stationary slave environment.

scholarly journals Can analytical shading be art?

2015 ◽  
Vol 47 (3) ◽  
pp. 121-135
Author(s):  
Jerzy Siwek ◽  
Wojciech Wacławik
Keyword(s):  
Experimental Studies ◽  
Digital Terrain Model ◽  
Crucial Importance ◽  
Significant Similarity ◽  
Basic Principles ◽  
Factors Affecting ◽  
Terrain Model ◽  
Digital Terrain ◽  
Proper Generalization

Abstract Despite numerous theoretical and experimental studies of analytical relief shading, devised about half a century ago, its quality has not yet reached the excellence of traditional (manual) shading. The paper discusses its basic principles and the main factors affecting the quality of shading. It also stresses the crucial importance of the digital terrain model used as the basis for shading as well as the proper generalization of the relief. Experiments with shading modules of ArcGIS and Surfer, aiming to explore the functionality of algorithms they employ, have demonstrated significant similarity of the results. In conclusion, the authors attempt to answer the question posted in the title of the article. In their view, analytical shading is not art because shading algorithms are incapable of producing the visually beautiful effects that an experienced cartographer with artistic talents can create.

scholarly journals THE INSTITUTIONAL STRUCTURE OF PRUDENTIAL BANKING SUPERVISION SYSTEM: ACROSS THE WORLD REVIEW

2012 ◽  
Vol 8 (1) ◽  
pp. 251-255
Author(s):  
Kateryna Tsytsyk
Keyword(s):  
Financial Stability ◽  
Banking System ◽  
Institutional Structure ◽  
Banking Supervision ◽  
Key Factors ◽  
Supervision System ◽  
The World ◽  
Institutional Organization

The article is devoted to the research of prudential banking supervision, as one of the key factors for ensuring financial stability. The fundamentals of prudential risk-oriented banking supervision system’s organization in current circumstances are defined. Particular attention of this article is paid to the question of optimal institutional organization of prudential banking supervision system with an aim to ensure stability of banking system of the country. The practice of foreign counties in organization of prudential banking supervision system is considered.

scholarly journals PROBLEMS OF ENSURING THE FINANCIAL SUSTAINABILITY OF THE BANKING SYSTEM

2021 ◽  
Author(s):  
Olena Tarasova
Keyword(s):  
Financial Stability ◽  
Banking Sector ◽  
Banking System ◽  
Bank Lending ◽  
Financial Sustainability ◽  
Loan Portfolio ◽  
Bank Deposits ◽  
High Inflation ◽  
The Stability ◽  
Banking Institution

The article explores the problems of ensuring the financial sustainability of the banking sector, which plays a very important role in the functioning of the financial system of the state. The role of the stability of the banking system in ensuring conditions of economic growth is justified. It is noted that it is the financial stability of each banking institution that is a prerequisite for the stable functioning of the entire banking system. It is emphasized that since the financial stability of the banking system is influenced by a large number of internal and external factors, for the effective functioning of the banking system of the country must be ready for any challenges to the macro and microenvironment. The main problems of the banking system in modern conditions should be considered the reduction of deposits of the population, deterioration of the quality of the loan portfolio, significant devaluation of the hryvnia, high inflation rates, loss-making of a significant number of banking institutions. It was concluded that the banking system of Ukraine feels a significant dependence on the funds of depositors - individuals, and therefore on factors that affect their behavior in the financial market. Trends of formation of deposit base of commercial banks of Ukraine and imbalances in the sphere of attraction of banking resources were analyzed. The growth of bank deposits of the population is slow, negative changes in their structure are observed. The share of deposits of individuals after the 2014 crisis has become significantly more volatile and risky in terms of financial stability. The increase in lending is complicated by the presence of large portfolios of problem loans, as a result of which there are a number of tasks to increase the efficiency of the loan portfolio, which should ensure a compromise of profitability, liquidity and credit risk acceptable to the bank. The priorities of monetary policy and the main tasks are formulated, the solution of which will allow to intensify lending to the real sector of the economy. Theoretical and practical recommendations have been developed to improve bank lending, increase the profitability of the banking system and capitalize Ukrainian banks.

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