Инновационный подход управления рисками в банковской деятельности
Authorities of the state regulation, creditors and investors are interested in getting reliable information about the banking sector activities. The procedure of bank financial soundness and accountability evaluation is carried out by supervision authorities as well as by international and national rating agencies. The analysis of the methodologies of bank accountability evaluation and forecasting in Russia shows the following results. The Bank of Russia makes decisions on banks financial soundness based on financial coefficients of different groups; the calculations are grounded on the official bank statements. Apart from financial indicators, rating agencies evaluate qualitative parameters of the bank activities. The common problem of the bank financial accountability analysis in Russia is the lack of use of the forecasting methods predicting the financial statement of banks and the probability of default. As a result, the problem-free banks corresponding to the demands of the supervision authorities on standards were considered to be problematic during the crisis. The aim of this research is the dynamic analysis of the main indicators of the Russian banks activities at the different stages of the economic cycle in order to identify the indicators of the early bankruptcy prediction and the opportunity to forecast the changes in the bank financial statement.
The book contains articles considering various aspects of the analysis: macroeconomic, regional, sectoral, cross-cultural, etc. The current problems are analyzed: new ways of the development of space activities in the form of public-private partnerships, the opportunities for social responsibility programs in various sectors of the economy, as well as the sustainability of economic growth in resource-dependent countries.
The article touches upon two innovative approaches to corporate communication. One example deals with the development of information technologies, and the other tells about the elaboration of a principally new, both internal and external, communication system in a company.
The aim of the article is to model dynamics of risks and assess the cyclical effect of Basel II in the Russian banking system.