IMPROVING THE ASSESSMENT OF THE STABILITY OF THE BANKING SYSTEM OF THE RUSSIAN FEDERATION AS A COMPONENT OF ENSURING ECONOMIC SECURITY

This article discusses the problems of determining the stability of the banking system and the main indicators that determine the effectiveness of this area, affecting the economic security of the country. The authors propose an approach to the system of indicators of the stability of the banking system, characterized by the allocation of such key indicators, the level of which depends on the activities of the credit institutions themselves. The article analyzes the current state of the performance indicators of banks and assesses the level of implementation of each of them according to the established threshold value.
The article includes the study of various theoretical approaches to determining the indicators of the stability of the banking system. Scientific methods of materials analysis, method of comparisons, synthesis and generalization of the collected data were used to conduct the research. The research is based on analytical materials and statistical data of the Federal State Statistics Service and the Bank of Russia.
The main results of the study show that the stable and stable functioning of credit institutions directly affects the ability of the national financial system to withstand external threats, and therefore to ensure the economic security of Russia. It was revealed that when assessing the implementation of key indicators by the banking sector, the low degree of capitalization of banks, problems with overdue debts, the presence of a significant number of unprofitable credit institutions, as well as a low degree of confidence in this area from depositor clients remains an acute problem.
Using the approach proposed by the authors to the analysis of indicators of the stability of the banking system at the macro level, it is possible to identify key negative trends in the work of credit institutions and suggest that the mega-regulator concentrate regulatory measures aimed at achieving the threshold values of the studied indicators by banks.

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