Baryliuk M. Organizational and economic mechanism of ensuring financial security of commercial bank

Theoretical and methodological principles of financial security of commercial bank are investigated, its essence and meaning is determined in the dissertation. The approaches to the definition of concepts «financial security of commercial bank», «risk», «threat» are substantiated. The conceptual scheme of realization of threats in financial and economic activity of the commercial bank is offered. The list of classification characteristics of threats to the bank’s financial security is supplemented. The main components of the system of ensuring financial security of commercial bank are determined as a set of structural elements (goals, principles, guidelines for ensuring the financial security of the commercial bank and organizational and economic mechanism), which are aimed to prevent and neutralize exogenous and endogenous threats to its financial security. A list of principles for insuring the financial security of a commercial bank is supplemented. The theoretical approach to the development of organizational and economic mechanism for providing financial security of a commercial bank and its role in the system of its provision are substantiated. The current regulation and organization of the ensuring of financial security of a commercial is clarified. The existing problems of ensuring the financial security of commercial banks in terms of its functional components are determined. The methodical approach to rating commercial banks according to the level of their financial security is substantiated. Based on the application of the taxonomy method, a scientific and methodological approach to assessing the level of financial security of a commercial bank has been developed, which makes it possible to determine the degree of approaching the financial security of the investigated commercial bank to the "benchmark bank-bankrupt" The methodical approach to calculating the integral index of financial security of a commercial bank is developed. The methodical approach to the ranking negative impact of threats is improved, which serves as the basis for choosing a strategy for providing financial security to a commercial bank, which aimed at protecting against external and internal threats and achieving financial interests of the entities who providing financial security of the commercial bank. A sequence of calculations of the integrated assessment of the impact of threats to financial security of commercial bank is developed. Recommendations on implementation of a set of interrelated organizational and economic protective changes in the system of ensuring financial security of a commercial bank are given. Key words: financial security of the commercial bank, factors influencing to the financial security of a commercial bank, threats to the financial security of the commercial bank, the system of ensuring financial security of the commercial bank, organizational and economic mechanism of ensuring the financial security of the commercial bank, assessing the level of financial security of the commercial bank, integral indicator of the level of financial security of a commercial bank.