nking operations. Analyzing the risks of commercial banks in Russia at the present stage, it is necessary to teach s Vat:
* The critical state of the economy, which is reflected not only a drop in production, financial instability sustainability of many organizations, but also to destroy e ho tion series I bonds tural communication;
* Fragility of the political situation (very low index TAKE);
* Incomplete formation in banco tion system;
* Absence or imperfection of some basic law enforcement and to comrade, the discrepancy between the legal framework and a real-life situa tion;
* Inflation, etc.circumstances make substantial changes in the aggregate during kupnost s Nika banking risks and methods of their study of. However, this does not exclude the presence of w denotes the occurrence of common problems of risks and trends in the dynamics of their uro nya., With the development of risk theory developed methodology and methods of analysis. In our view, we can define the following main stages ing meth gy analysis of banking risks:
. Type and specificity of the bank analyzes the level of a certain species or the overall risk of its activities, activity sequences of their partner, contractor, customer, vendor, entered via e nickname, etc.
. Sphere of influence of the analyzed individual or aggregate risk completely ri with Cove.
. Method of calculation, analysis of the level of error, absolute and applies to enforcement of t deviations.
. Ability to control specific risk analyzed.
. Management tools risky situations in general.
. Evaluating the effectiveness of the analysis and recommendations based on the results of the recommendations.banking practice in risk assessment mainly take into account the probability of insolvency of customers, a sharp deterioration in their financial condition, impact sible seizures certain part of the funds placed in deposits, changes in exchange rates and securities, as well as the probability of the various monetary restriction. It should be borne in mind that all the risk factors into account is almost impossible, so the score is based on certain before started up, and the result is to a certain extent at approximately. However, this does not detract from the importance of developing a strategy for responsible risk.of risk strategy Proch one number sequence um different stages, including e lyayut Bldg:
) Identify factors increases and decreases in a specific type of risk impl e Implemented ban certain banking business.
) Analysis of the factors identified in terms of the magnitude of the effect on risk.
) Evaluation of a specific type of risk.
) Establishment of an optimal level with ri ka.
) Analysis of individual transactions for compliance with the acceptable level of risk.
) Development of measures to reduce risk.for the factors affecting the risk, they are usually regarded with Mr. Banks did not complete and if to take into account whether the wes objectified lenny standard set of them, which is periodically reviewed. These factors do not carry any particular settl...
