Golozubov V. The mechanism of state regulation of risk optimization of commercial banks

The object of the research. Complex of credit risks in the banking system of Ukraine. The aim of the research. Justification of the theoretical-methodological and practical bases of state regulation of optimization of the risk of commercial banks ' activity on the basis of the balanced socio-economic development. Methods of research. The logical and historical analysis, methods of assessment of banking risks, financial analysis, table, statistical, analytical and other. The practical value of work consists in development of the mechanism of state regulation of optimization of the risks of commercial banks in Ukraine. Scientific the novelty of the. For the first time proved a complex mechanism of optimization of the risks of commercial banks, which is based on the system of assessment of credit investments, consisting of a social and economic component. The proposed mechanism is aimed at the harmonization of the priorities of the social policy of the state and the optimization of the credit and investment risks of the banking system. The results of the thesis were used in the work of the banking institutions, in particular of "Megabank" (information about the implementation of No. 2487 from 14.09.2010) and "VTB Bank" (information about the implementation of No. 641-09/100 from 16.12.2010).