The dissertation is devoted to the development of conceptual, methodological, instrumental and applied components of ensuring bank security of Ukraine in the conditions of development of information economy.
The conceptual bases for ensuring the state's banking security under the conditions of the information economy development as a set of theoretical and methodological provisions for determining: methodological approach, goals, principles and methods, technology (tasks, methodologies, recommendations) of this process using the strategy of active adaptation of the banking system to changes in external environment, taking into account the requirements of economic security of the state.
The structure of conceptual and categorical basis for ensuring the banking security of the state in the conditions of development of the information economy is proposed, which establishes logical connections between the basic categories of management of the development of the banking system of Ukraine and ensuring the economic security of the state; contains special concepts with their corresponding meaningful content in terms of security-oriented approach (in particular: "banking system of Ukraine"; "the object of ensuring state banking security in the conditions of information economy development", "criteria for ensuring state banking security" and others) as a theoretical basis improvement of the state's economic security system and development of methodological approaches to its provision in the banking sector.
Improved scientific and methodological approaches to the relationship between the development of the banking system of Ukraine and elements of the economic security system of the state, in particular, the consideration of the first as a tool for the realization of national economic interests and interests of the state in other areas of national security, which creates new opportunities for ensuring the economic security of the state, and as sources of risks and threats to the economic security of the state by its constituents due to the institutional weakness of the banking system, its poor capitalization, persistent loss, inability to provide corporate business with cheap long-term national currency loans, etc.
Improved scientific and methodological approaches to comprehensive assessment of the economic security of the state in the banking sector in the conditions of development of information economy, which, unlike the existing ones, provide an assessment of the current state of economic security in the banking sector using a new system of indicators and appropriate methodology for the calculation of group and integrated indicator to justify management decisions in the banking sector in the system of economic security of the state.
The complex of indicators of state bank security in the conditions of development of the information economy is offered, which differs from others by its formation in criterion section in accordance with the following factors: ensuring a sufficient level of capitalization of the banking system; ensuring its profitability and profitability; ensuring the liquidity of the banking system; ensuring a balanced structure of hryvnia and currency assets and liabilities; ensuring competition and financial inclusion; ensuring the development of key elements of the information economy: cashless payments, electronic credit platforms, the cryptocurrency market; justification of the threshold and optimal values of bank security indicators; determination of weighting coefficients (for determining the weight of both indicators in each of the groups and group indicators) in order to calculate the integral indicator of the state's banking security in the conditions of development of information economy.
The scientific and methodological recommendations on the improvement of the institutional basis for the development of the banking system of Ukraine in the context of the implementation of the state economic security policy, differing by their detail in the sectoral section (in the field of non-cash payments, circulation of cryptocurrencies, development of electronic credit platforms) are substantiated.
Scientific and practical recommendations are offered to ensure the protection of Ukraine's payment infrastructure as a key element of the state's banking security against fraud and unauthorized interventions, supplemented by a number of proposals to be taken into account in the legislation of Ukraine on critical infrastructure.
The scientific and practical recommendations on the priorities of the development of the banking system of Ukraine in the conditions of the information economy development are distinguished. consequences of the destructive impact of fundamentally new risks to the banking system and threats to the economic security of the state in banking and other areas related to the development of the information economy.
