scholarly journals Possibilities of different methodological approaches in assessment of economic security of the commercial bank

Author(s):  
A. S. Usov

The article systematizes methodological approaches to assessing the economic security of a commercial bank, describes their essence, highlights the advantages and disadvantages. Criteria for assessing the economic security of a commercial bank are presented from the standpoint of the possibilities of different methodological approaches.

2020 ◽  
pp. 142-151
Author(s):  
О.V. Dymchenko ◽  
О.О. Rudachenko ◽  
P. Gazzola

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.


Author(s):  
О. Kovalova ◽  
M. Iorgachova

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.


Author(s):  
O. Bykova ◽  
Andrey Garnov ◽  
A. Shpileva ◽  
A. Chuhlebov

In the constantly changing conditions of the external environment, with the modern development of science and technology, with a high level of competition, the success of an organization's functioning lies in its timely ability to effectively respond to market demands. An enterprise's resistance to external and internal threats is determined by the level of its economic security. In other words, the economic security of an enterprise is the state of its protection from the negative influence of external and internal threats, destabilizing factors, under which the sustainable implementation of the main commercial interests and goals of the statutory activities is achieved. It is extremely important to conduct a systematic analysis of the management of the economic security of enterprises, develop effective methods for assessing the current level of security in companies and improve mechanisms for increasing economic security to improve the competitiveness of Russian business in modern market realities. The concept of economic security includes a whole range of functional components. In addition to financial security, the system of economic security includes personnel, technological, market, legal, interface, environmental, information and power components, which equally affect the well-being of the company. And only when comprehensive measures are taken to improve each functional component, a high, competitive level of economic security can be achieved. It is extremely important to understand the essence of the economic security of an enterprise, to study methodological approaches to assessing the current level of economic security and to learn how to correctly use the mechanisms to improve it.


2020 ◽  
Vol 110 ◽  
pp. 352-355
Author(s):  
Brad Hershbein ◽  
Melissa S. Kearney ◽  
Luke W. Pardue

We conduct an empirical simulation exercise that gauges the plausible impact of increased rates of college attainment on a variety of measures of income inequality and economic insecurity. Using two different methodological approaches--a distributional approach and a causal parameter approach--we find that increased rates of BA and AA attainment would meaningfully increase economic security for lower income individuals and shrink gaps between the 90th percentile and lower percentiles. Increases in college attainment would not significantly reduce inequality at the very top of the distribution, as measured by the 99/90 earnings ratio.


2018 ◽  
Vol 9 (4) ◽  
pp. 1259
Author(s):  
Yuliya Evgenievna GUPANOVA ◽  
Gulzida Iksanovna NEMIROVA ◽  
Alexander Evgenievich SUGLOBOV

One of the most important directions of customs authorities development at the present time is improvement of the customs services sphere that will allow to influence on trade expenses decreasing for business, ensuring economic security, increasing of the country attractiveness in the investment side. The matters gain the special importance in the conditions of integration development within the Eurasian Economic Union as they demand coordination of legislative, methodological, methodical and a number of practical aspects of providing customs services in the united customs territory. The purpose of article is researching of customs services providing practice in conditions of the Eurasian Economic Union existence, identification of problems in this sphere and searching ways of their decision. Methods of the comparative, retrospective and system analysis, analogy, generalization and grouping were applied during article creating that has allowed to reveal key discrepancies in customs services providing in the countries of EEU and to designate the possible directions of their improvement. The results received in article cover the specified conceptual framework in the explored sphere, the designated methodological approaches to improvement of customs procedures. These approaches take into account interests of the main consumers of customs services – participants of foreign economic activity.


Auditor ◽  
2017 ◽  
Vol 3 (10) ◽  
pp. 43-52 ◽  
Author(s):  
Лев Аврашков ◽  
Lyev Avrashkov ◽  
Галина Графова ◽  
Galina Grafova ◽  
Андрей Графов ◽  
...  

Th e article formed position, refl ecting better methodological approaches to rating assessment of the fi nancial and economic condition and the economic security of the enterprise.


Auditor ◽  
2018 ◽  
Vol 4 (11) ◽  
pp. 47-51
Author(s):  
Андрей Графов ◽  
Andrey Grafov ◽  
Аксан Юсупов ◽  
Aksan Yusupov ◽  
С. Шахватова ◽  
...  

This article clarifies and proposes improved methodological approaches to the calculation of fi nancial ratios and their use in the formation of the rating level of economic security of the enterprise.


2020 ◽  
Vol 31 (1) ◽  
Author(s):  
Yu. M. Yakymenko ◽  
◽  
T. M. Muzhanova

The article explores the features of using methodological approaches in the field of security, analyzes existing methods and offers recommendations on the use of tools to assess the level of economic security of an enterprise.


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