ement prednaz The values ??and serve as the initial basis for risk analysis, as well as «recover» and detail clean mat e matic evaluation.
.2 MAIN TYPES OF BANKING RISKS
to the history of marketing all manufacturers, including banks and Kira, and try min mize risk and maximize profits.balance between risk and expected profit S varies, depending on p yes I objective and subjective factors.oldest way to assess the risk level and reduce YaV it possible page and ance., analysis and evaluation of the level of risk produced by using the tools of probability theory and mathematical techniques tion statistics. To analyze the level of risk is most commonly used dynamic standard deviation values?? Of net profit were. If a particular situation is analyzed, the analysis is carried out in a static lys. First of all, take into account the time of the ban Minkowski risk.the time the risks are allocated to the retrospective, current and vp to the contrary. Retrospective analysis of risks, their nature and methods of reducing them makes it possible to more accurately predict Vat current and future risks. Further analyzes degree penalties (level) of existing risks.to the degree (level) banking risks can be divided into low Kiya died ITATION n and l ITATION.figure number 1 (page 18) shows the main types of bank ri with Cove. Optionally be noted that in the course of business, banks hundred l ki vayutsya with a plurality of different types of risks that differ IU forward to a place and time of occurrence, combined external and internal factors are affecting their level, and hence Indeed, in the way they methods of analysis and their descriptions. In addition, all kinds of risks are interrelated and influence the activities of a bank. Change one kind of risk cause changes almost all other species. All this, of course, complicates the choice of the method of analysis of specific risk and a decision on its optimization leads to the corner b Allotment When analyzing a variety of other factors Skov. Therefore the choice of nodules t tion method of analysis of their level, the selection of wholesale and mal factors are very important.the main factors of banking risks are economical and political e cal. Political risks - this figure matches due rev e neniem political situation, adverse affects on the results nicely de I sequences enterprises (closed ment borders, ban on the export of goods to other pages and us, the military action tions in the country, etc. ). (commercial) risks - these are the risks caused ITATION unwholesome about pleasant changes in the economy of the bank or in the economy. On and more common type of economic tion risk, which would concentrate on Wana private risks is liquidity risk (w completely unperturbed timely fulfill payment obligations). Economic risks also represented a change in market conditions, the level of control e.main types of risks are linked, and often in practice and Ven exactly difficult to separate them. In turn, both political and economic risks can be external and internal.external risks are not directly related to the activities of the bank or its audience contact. The level of external risk affects a very many factors - political, economic, demographic e SCIE, social, geographical, etc.internal include risks associated with the activities of the bank and its clients (borrowers) or a specific counterparties. Their level and shows the influ...
