Оцінка фінансово-економічних передумов управління операційним ризиком у банківській системі України
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Дата
2021
Автори
Олійник, А.В.
Oliinyk, A.
Назва журналу
Номер ISSN
Назва тому
Видавець
Хмельницький національний університет
Анотація
Проаналізовано основні показники фінансової діяльності банків та функціонування платіжних систем у банківській системі України. Встановлено, що зі збільшенням обсягів транзакцій платіжних систем у банківській діяльності зростає рівень операційного ризику. Проведено оцінку фінансових передумов управління операційним ризиком у банківській системі України. Визначено та обґрунтовано вплив фінансових та економічних передумов на ефективність управління операційним ризиком банківських установ.
In the current conditions of implementation and development of banking, bankers are paying more and more attention to the definition, assessment and measures to reduce the operational risk of the bank. Examples of this type of risk are personnel fraud, information system failures, and specific software failures that can result in significant losses and losses. In order to adequately protect against such risk, the bank must generate capital adequate to cover losses from the bank's operational ris k. The lack of systemic among the manifestations of the bank's operational risk complicates the process of its identifica tion, evaluation and management decisions. Therefore, the assessment of financial and economic prerequisites for operational risk management in the banking sector of Ukraine is becoming important in order to form an effective management system. The purpose of the article is to assess the financial and economic prerequisites for operational risk management in the banking system of Ukraine and determin e their impact on the effectiveness of operational risk management of banking institutions. The main indicators of banks' financial activity and functioning of payment systems in the banking system of Ukraine are analyzed. It is established that the level o f operational risk increases with the increase in the volume of payment system transactions in banking. The assessment of financial preconditions of operational risk management in the banking system of Ukraine is carried out. The influence of financial and economic preconditions on the efficiency of operational risk management of banking institutions is determined and substantiated. Analysis of banks' activity in the payment card market allows to identify negative aspects that necessitate improving the sys tem of operational risk management of anks and finding ways to minimize them for the following reasons: incr easing the share of noncash payments by payment cards in trade and services compared to cash; expansion of the infrastructure for accepting payment cards; increase in revenues to local and state budgets due to fuller taxation of business entities and individuals (non-cash services sharply reduce opportunities for concealment of income.
In the current conditions of implementation and development of banking, bankers are paying more and more attention to the definition, assessment and measures to reduce the operational risk of the bank. Examples of this type of risk are personnel fraud, information system failures, and specific software failures that can result in significant losses and losses. In order to adequately protect against such risk, the bank must generate capital adequate to cover losses from the bank's operational ris k. The lack of systemic among the manifestations of the bank's operational risk complicates the process of its identifica tion, evaluation and management decisions. Therefore, the assessment of financial and economic prerequisites for operational risk management in the banking sector of Ukraine is becoming important in order to form an effective management system. The purpose of the article is to assess the financial and economic prerequisites for operational risk management in the banking system of Ukraine and determin e their impact on the effectiveness of operational risk management of banking institutions. The main indicators of banks' financial activity and functioning of payment systems in the banking system of Ukraine are analyzed. It is established that the level o f operational risk increases with the increase in the volume of payment system transactions in banking. The assessment of financial preconditions of operational risk management in the banking system of Ukraine is carried out. The influence of financial and economic preconditions on the efficiency of operational risk management of banking institutions is determined and substantiated. Analysis of banks' activity in the payment card market allows to identify negative aspects that necessitate improving the sys tem of operational risk management of anks and finding ways to minimize them for the following reasons: incr easing the share of noncash payments by payment cards in trade and services compared to cash; expansion of the infrastructure for accepting payment cards; increase in revenues to local and state budgets due to fuller taxation of business entities and individuals (non-cash services sharply reduce opportunities for concealment of income.
Опис
Ключові слова
банківська система, рентабельність активів, операційний ризик, банк, ризик, система управління операційним ризиком, рентабельність капіталу, власний капітал банку, резерви на покриття операційного ризику, платіжна система, return on capital, return on assets, bank, banking system, risk, operational risk, operational risk management system, payment system, bank equity, reserves to cover operational risk
Бібліографічний опис
Олійник А. В. Оцінка фінансово-економічних передумов управління операційним ризиком у банківській системі України / А. В. Олійник // Вісник Хмельницького національного університету. Економічні науки. – 2021. – № 6, т. 2. – С. 54-61.