Name
Miroshnichenko Pavel Aleksandrovich
Scholastic degree
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Academic rank
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Honorary rank
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Organization, job position
Kuban State University
Web site url
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Articles count: 3
The article is devoted to carrying out problems to
commercial banks of the analysis of external
environment of the functioning. Results of this
analysis must be taken into account in case of
determination of a circle of concerned parties, their
requirements and expectations in a scope of the
quality management system. Also, when forming a
network of the processes providing goal achievement
of the organization when forming competitiveness
and strategic development. In the article the purposes
of commercial bank are analyzed, the influencing
factors and conditions of interaction of bank with
concerned parties are determined. The assessment of
a provision of commercial bank in external
environment is given and scopes of quality
management system are established
The concept of the bank of the future is offered in
this article and ways of overcoming risks in bank are
considered. Criteria for evaluation of activity of bank
of the future are marked out. The conceptual model
of the bank of the future is directed to a prediction of
client's wish and the timely offer to him necessary
configured for him services, which will promote
increase of client’s loyalty. Risk card is created for
the bank of the future; it contains groups of
management tools by credit risks and groups of
management tools by credit risks for the loan
portfolio. It's a fact that for overcoming risks in bank
it is required to construct effective system risk –
management, which contains the independent
element - control over accomplishment of planned
activities, the analysis and assessment of results of
the chosen risk decision. Management of business
reputation through risk control become one of the
important element of functioning of bank, being not
only a basis of increase in reputation in the opinion of
partners, contractors and clients, but also a basis of
improvement of financial and economic indicators. It
is necessary for efficiency of functioning of banks in
Russia: financing of the innovative information
technologies, which are applied in banks;
employment of qualified personnel and
corresponding equipment; application of the latest
scientific advances, which are included in process of
creating of banking technologies; interest of
personnel in a result of the work
The article analyzes trends of the modern information
technologies and approaches to engineering.
Information technologies are effective in all areas and
fields of activity; they provide steady growth rates,
increasing competitiveness of the organizations