Bondarenko A. The risks in the banking product pricing

The thesis devoted to the questions of efficient banking products' pricing giving the way to take into account the full specter of the risks related to them. In the dissertation were in-depth the theoretical and the methodological bases of risk-oriented pricing of banking products, namely: was highlighted main tasks of risk-oriented pricing by the new; were developed the new concept of the price-forming risks of the bank and developed and the classification of them based on their separation according to the distribution of their value: with using the value of special type risks management expenses or with using the risk value. Were improved the structure of cash flow during the financial resources attraction-allocation processes due to the identification of the differences between the processes of traditional pricing and risk-oriented pricing. The main thesis achievement lies in the development of the new conceptual framework of the risk-based pricing for complete attraction-allocation process. Besides there were designed the methods and ways for unquantifiable risks value calculation. Were offered new instruments of prudential regulation. The possibility of risk-based pricing is demonstrated using the example-case with Ukrainian commercial banks.