Banking risks in terms of macroeconomic instability
The article examines the factors of macroeconomic instability and the methodology for managing credit risk in the context of digital transformation. The author analyzes the financial situation in Russia and the state of the modern banking system and proposes steps and mechanisms to overcome the recession. Considering risk management in banks, the author pays special attention to the digitalization of analytical support. It was noted that at the current stage of development, banks cannot do without digital tools that help to study, consolidate information about creditors, the process itself, and thereby significantly reduce credit risks. The transition to the use of robots plays a special role in lending, in assessing credit risks, the cost of collateral, and the creditworthiness of borrowers. Lending institutions that use RPA technology benefit from lower transaction costs. Several methods are used to mitigate credit risks. For example, the diversification of the loan portfolio in a number of areas, the use of various forms of collateral and guarantees, the development of limits on operations, the formation of reserves for reimbursement of probable losses, insurance of the bor-rower's liability for non-repayment of the loan. At the final stage, risks are monitored. It is concluded that an effective management system based on digitalization ensures high economic stability of banks.