THEORETICAL-PRAGMATIC BASIS OF GROUPING AND STRUCTURING OF BANKING RISKS

Анотація

The essence of banking risks is directly related to the classification of these risks. In addition, the effectiveness of banking risk management also depends on the classification. It provides an opportunity for effective application of banking risk management methods and techniques. We must apply our own method of risk management to each type of risk. The value of complex classification of banking risks is that on its basis it is possible to model the activities of banking institutions, to conduct a comprehensive search of internal reserves in order to increase the efficiency of banking operations. However, studies of methodological approaches to the classification of banking risks have not been sufficiently reflected in the national literature. Therefore, today there is a need to study the classification of banking risks. There is no single approach to the classification of banking risks in the economic literature. The article discusses the theoretical bases for the classification of banking risks, its necessity and role in the modern banking system and in the economy as a whole. The analysis of the existing approaches of domestic and foreign scientists to methods of classification of banking risks and the allocation of their types.The classification of banking risks in terms of the introduction of new classification criteria is proposed, in particular by the level of occurrence of banking risks (enables to distinguish risks at macroeconomic and microeconomic levels) and quantitative criteria (separated banking risks that can be quantified, quantified and quantified) be able to more fully cover and organize all types of banking risks.The structuring and systematic regulation of banking risks is of practical value to banks in selecting forms and methods for managing them. One of the first problems that any bank that builds a risk management system has to face is optimizing the types of banking risks.

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