TEORETIKO-METODOLOGICHESKIE OF THE BASIS OF RISK MANAGEMENT OF FINANCIAL CREDIT INSTITUTIONS IN MODERN ECONOMIC CONDITIONS
Now in the conditions of world crisis of the financial market the question of preservation of stability of development and functioning of a banking system became one of main and defining its main objectives in the long term. Management of risks - one of the most actual scientific and practical problems of modern bank activity. In process of development of technologies and globalization of world economy, surrounding risks only increase. At a sufficient variety of ways and methods of definition and risk management in the Russian banking practice there is no the system approach allowing to investigate in a complex risks of commercial bank and to create response measures and control over them. This article is devoted to research of teoretiko-methodological aspects of risk management, arising in the course of functioning of subjects of bank system. The risk is the difficult phenomenon having a set incoincident, and sometimes opposite real bases. The theory of risks actively develops therefore the term «risk» at a great number of authors can have various interpretation. The fullest classification is presented by the author in this article. The author allocated risk zones, characteristic for concrete types of risk, the positive and negative consequences for bank connected with these zones are defined. The special attention is paid to research of operational risk as risk of emergence of losses as a result of inadequate or wrong internal processes, actions of employees and systems or external events. The author created theoretical bases of an assessment of measurement of operational risk in the conditions of uncertainty on the basis of what the intra bank technique allowing to construct graphically curves of specific weight of the analyzed branches of bank by means of system of the equations is developed.