DEPOSIT RISKS OF MODERN BANKS
Journal Title: Інноваційна економіка - Year 2017, Vol 68, Issue 3
Abstract
Purpose. The aim of the article is the theoretical substantiation of the essence of deposit bank risks, the mechanism of their formation, and development of practical ways to manage them. Methodology of research. The following methods are used during the study: analysis and synthesis – to clarify the scope of the conceptual apparatus for study deposit risks of the modern banks, particularly the risk nature of deposit banks; method groupings – in the classification of deposit risks of banks; graphical method – in the construction of illustrative charts and graphs; logical method – for theoretical generalizations and formulation of research conclusions. Finding. The content of deposit risk of the bank is clarified and formulation of author interpretation of deposit risk of the bank that boils down to possible losses due to unexpected or irrational use of attracted deposits for the bank. Expediency to consider deposit bank risk as a combination of several types of risk is substantiated: risks of lost benefits, transformation and interest. The analysis of existing conditions and local realities for the formation of deposit risks of banks is conducted. The peculiarities of formation of deposit risks of banks and development of ways to minimize them are reviewed. Originality. The theoretical and methodological provisions of nature and characteristics of the deposit risks of banks that allow to create the basis for a practical combination of administrative processes by passive and active operations of modern banks are substantiated. Recommendations for minimizing the risks of the bank are developed. Practical value. The measures to prevent negative consequences of the manifestation of the risks of lost benefits, transformation and deposits of interest risk of banks and ensure the effectiveness of deposit policy of banks are proposed in the article.
Authors and Affiliations
Nataliia Sushko
Keywords
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