OBJECT FIELD OF CRISIS MANAGEMENT AT THE BANK

Анотація

The main reason for the increased attention of banking supervisors and domestic banks to crisis management is the constant growth in the level of external and internal threats of crisis phenomena and the significant scale of losses for the banking system and the country's economy in case of their realization. In order to increase the efficiency of mechanisms of bank crisis management, it is necessary to formalize the object field, for which anti-crisis tools will be developed in the future. This is due to the fact that crisis management should be aimed at adapting its objects to any changes in both the internal environment and the external system, an element of which is a bank, as changes in them can act as triggers of crisis phenomena. The article aims to develop theoretical and methodological principles of bank crisis management based on the formalization of its object field. The author conducted a systematic, logical, and comparative analysis and synthesis of the scientific literature to achieve this goal. Such methods and techniques of the theory of knowledge as analysis and synthesis, the establishment of cause-and-effect relations of processes and phenomena development were also used. In the article, the expediency of applying the business-model concept for the formalization of object field of bank crisis management is proved. The author systematizes the composition of the objective field with fundamental division into financial and operational components. The operational business model determines the internal and external relations that give the bank access to key resources and transforms these resources into banking products and services of value to key customers through effective sales channels and the organisation of the relationship with them. The bank's financial business model includes key financial parameters (balance sheet, financial performance, and risk level). The results formed the scientific basis for improving the bank crisis management mechanisms and operationalizing anti-crisis tools. Further research will consist of developing the system of target parameters of operational and financial components of the business model. These target parameters will form an analytical basis for responding to crises, considering their stage, and making it possible to promptly activate the anti-crisis tools.

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