graduate student
The article discusses the importance of managing economic risks in banking organizations, which is especially important in the context of modern economic instability and global financial crises. The introduction to the topic emphasizes the need to comply with the legislation of the Russian Federation and the requirements of the Bank of Russia on risk and capital management systems. The author analyzes the nature of economic risks, their impact on the financial stability of banking organizations and the need to apply effective models and strategies to minimize them. Key risk categories are considered, including: financial, operational, business and emergency, and modern risk management models are proposed, including credit risk, market risk, operational risk and liquid risk. The article highlights strategies for diversification, hedging and improving the efficiency of processes as ways to manage risks, emphasizing that they contribute to the financial stability and competitiveness of the banking sector. In conclusion, the author emphasizes the importance of applying modern approaches to risk management to ensure the stability of banking organizations. The purpose of this article is to consider the main models and strategies for managing economic risks in banking organizations, as well as their practical application and impact on financial stability.
economic risk, risk management strategy, banking organizations, economic performance, financial stability
1. Federal'nyy zakon ot 02.12.1990 N 395-1 (red. ot 08.08.2024) «O bankah i bankovskoy deyatel'nosti». (s izm. i dop., vstup. v silu s 01.09.2024). https://www.consultant.ru/document/cons_doc_LAW_5842/ (data obrascheniya: 01.09.2024).
2. Baryn'kina N.P., Suprunova E.A., Rudi L.A. Bankovskie riski: faktory vozniknoveniya i metody upravleniya imi // Innovacionnaya ekonomika i obschestvo, 2024. – № 2 (44). – S. 12-16.
3. Mackevich E.D., Kuz'micheva I.A. Riski kommercheskogo banka // Mezhdunarodnyy zhurnal prikladnyh i fundamental'nyh issledovaniy, 2015. – № 6-2. – S. 313-317. URL:https://applied-research.ru/ru/article/view?id=6896 (data obrascheniya: 01.09.2024).
4. Kovalenko O.G. Ekonomicheskaya suschnost' bankovskih riskov i ih klassifikaciya // ANI: ekonomika i upravlenie, 2013. – № 3. URL:https://cyberleninka.ru/article/n/ekonomicheskaya-suschnost-bankovskih-riskov-i-ih-klassifikatsiya (data obrascheniya: 01.09.2024).
5. Obzor riskov finansovyh rynkov // Bank Rossii. URL:https://www.cbr.ru/analytics/finstab/orfr/ (data obrascheniya: 01.09.2024).
6. Obzor rynka bankovskih uslug v Rossii 2017-2023 // FRANK RG. URL:chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://frankrg.com/wp-content/uploads/2023/11/ba6def045dee.pdf (data obrascheniya: 01.09.2024).
7. Gavrilova E.N. Bankovskie riski i upravlenie imi//Aktual'nye voprosy sovremennoy ekonomiki.- 2021.- №3.- S.112-117
