Name
Vorokov Anzor Ladinovich
Scholastic degree
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Academic rank
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Honorary rank
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Organization, job position
Kuban State Agrarian University
Web site url
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Articles count: 4
This article gives us the analysis of the level of economic evaluation of the safety of commercial banks, and assesses the efficiency of the banking sector of the Republic of Kabardino-Balkaria
The financial security of a commercial bank is a set of
stages of financial security for a single commercial
bank at a certain period. The financial security is interrelated
and therefore establishes a system of indicators
of threats to financial security banks. These indicators
in the financial security of commercial banks have to
meet the requirements of the system, which means
they should reflect the main areas of activity of commercial
banks and be related to their processes of development.
The system of indicators reflects the main
areas of occurrence of internal and external threats to
the financial security of commercial banks. The system
of indicators from external threats contains indicators
on federal and regional levels; the system of indicators
of internal threats developed for the structural elements
of credit and financial security, and reflects all aspects
of the activities of commercial banks. The indicator
system provides the threshold values of each indicator
for the internal and external threats separately; they
give marks in the calculation of the financial security
of commercial banks. The threshold values reflect the
dynamics of the activities and development of commercial
banks and therefore change over time. In this
regard, the development and improvement of the activities
of commercial banks, thresholds of indicators
should be reviewed. The system of indicators allows
having a comprehensive evaluation of the financial
security of commercial banks from external and internal
threats
The article provides a survey of financial stability of banks; it has also analyzed the various options to improve the financial management of commercial banks
Moral risk is presented as actions of economic agents
to maximize their own utility at the expense of others
due to inequality of information and differences of
interests, manifested in changing the behavior of one
of the parties to the contract. The moral risks in the
banking activities are divided into two groups: the
moral risks within the Bank; the moral risks posed by
the external environment of the Bank. It is established
that in the case of inappropriate opportunistic behavior
of personnel who directly or indirectly violates the
terms of the contract, the Bank often does not have
monitoring capabilities. A list of typical methods of
dealing with moral risk arising from the activities of
the Bank was created. The article substantiates the role
of Bureau of credit history (BCH) as the organization
that performs the collection, processing, storage and
dissemination of information on credit histories of individual
citizens, such as information about the balance
of debt or credit lines, events of default on the
loan, history of payments, bankruptcy. A group was
proposed for specific methods of dealing with moral
risks - measures to neutralize the moral hazard related
to the activities of the staff. One of the most problematic
aspects associated with the moral risk of the Bank
is their assessment. In fact, in modern conditions the
banks are unable to assess the level of risk and threat
resulting from the actions of moral risk and, respectively,
the consequences of them