Doctor of Economic Science. Professor
Almaty
PhD student
Almaty
На фоне усиливающихся кризисных явлений и роста конкуренции на рынке банковских услуг, создание эффективных систем управления банковскими рисками становится наиболее актуальной проблемой. Усиление конкуренции и нестабильность на финансовых рынках ставят банки перед новыми рисками и требуют постоянного обновления процесса управления бизнесом и связанных с ним рисков для сохранения конкурентоспособности.В этих условиях каждый банк должен иметь собственную систему управления рисками и придавать ей должное значение. В статье рассматривается необходимость организации системы управления банковскими рисками, методов управления рисками, количественных и качественных методов оценки рисков. Подробно раскрываются роль, задачи и полномочия органов управления в создании эффективной системы правовых норм, регулирующих особенности принимаемых банком рисков, управление рисками как элемент системы внутреннего контроля в банках.
Purpose of research – is to influence prompt decision-making on the financial market in case of risk management of the bank. The banking sector is usually undergoing a serious reform phase. The bank's risk leads to the loss of credit institutions and deterioration of liquidity, due to adverse events occurring, depending on internal and external factors. Investigating the bank's risk management basics using modern approaches to risk assessment and management in banking.Methodology – the article discusses the organization of the bank risk management system, methods of risk management, quantitative and qualitative risk assessment. Banks use various methods to reduce their risk. Quality of the bank's management, especially the risk management process, are the key factors that ensure stability and security of banks and the banking system as a whole. The main types of risks, risk management system, ways of managing bank risks and ways to reduce them were considered. Common methods of scientific research have been developed.Original / Value – it is necessary to pay special attention to the risks of banks on the financial market. The deterioration of the situation in the financial market was associated with problems accumulated over many years, and some problems were solved, which in turn led to risks.Findings – the structure of the bank's risk management mechanism is presented, the characteristics of its elements are identified and the key objectives of the management mechanism are identified. In the study, all banks in the financial market were analyzed using the models in Gretl, with the major risk factors being analyzed.Conclusion – the mechanism of risk protection of banks consists of current methods of risk management and methods of its reduction. The roles, responsibilities and powers of regulatory bodies in the creation of an effective system of legal norms regulating the peculiarities of the risks taken by the bank are risk management as an element of the internal control system of banks. In the conditions of instability of the modern economy, the banking market can not be risky. The risk is in any bank activity, but it can be at different levels. In addition, the current risk management is to monitor important indicators and timely adopt operative decisions on banking transactions.
The authors declare that there are no conflicts of interest present.