Methodical approaches to the formation of the financial institution security system

Abstract

It is argued that the assessment of the security level of the bank lending activities should be made taking into account the socio-economic interests of all participants in the credit process. The developed methodology of the score assessment of the security level of credit operations of the bank includes not only an analysis of the security status of the credit operations of a particular bank, but also an assessment of the external conditions of its implementation. The process of assessment of the security level of the bank credit operations is implemented in five stages: the development of a system of security indicators for the bank credit operations; formation of the information base, which consists of bank reporting (financial and managerial) and macroeconomic indicators; analysis of security indicators; preparation of the report on the state of security; advising on adjustment of the bank's policy to enhance security of credit operations and prevent the effects of possible threats. The introduction of a methodology for scoring in the practical activities of banks will allow to obtain objective characteristics of the security of credit operations, identify weaknesses, strengthen security measures, improve the bank's credit policy to prevent the effects of possible threats.