MAIN THREATS TO THE FORMATION OF THE SECURITY SYSTEM OF BANKS CREDIT ACTIVITIES

Анотація

The article considers the main threats to the formation of the security system of credit activity of banks. It is proved that the security of banking institutions is multifunctional and complex. This is an important component of national security, which is characterized by balance and resilience to external and internal threats, its ability to achieve its goals and generate sufficient financial resources to ensure sustainable development. It is proposed to consider the security of banking activities as the security of the bank, banking staff, security of banking operations, as well as the security of the bank's shareholders, competitors of the bank and partners of the banking institution. After analyzing the approaches of scientists to understanding the concepts of "threat" and "danger", we give our own understanding of the term "threat to credit activity", which means explicit and implicit actions of competitors, borrowers and bankers aimed at lending operations institutions and need active and passive actions to reduce their negative manifestation. Threats to the security of banks' lending can be divided into two major groups - internal (microeconomic) and external (macroeconomic). External (macroeconomic) threats include factors that are the result of the impact of the external environment on the bank's lending activities. Internal (microeconomic) threats include factors that are either directly generated by the bank or are part of its internal environment. The deepening of the crisis in the economy of Ukraine requires an objective and unbiased assessment of the security of credit activity of banks in order to timely diagnose and prevent threats, as well as develop an adequate and effective strategy for managing credit security of banks. The development of an effective mechanism for improving the level of credit security of banks should be based on the assessment of threats to this security. The completeness, timeliness and effectiveness of management measures to eliminate, prevent and prevent existing and potential threats to lending activities largely depend on an adequate assessment of the current level of security of the bank's lending activities.

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