Антикризове управління комерційним банком у сучасних соціально-економічних умовах

Abstract

Розглянуто сучасні соціально-економічні умови функціонування банківської системи України. Обґрунтовано сутність банківської кризи та чинники, які спричиняють її розвиток. Визначено сутність і відмітні особливості антикризового управління банками в умовах коронакризи. Запропоновано інструменти із запобігання кризі банку, її подолання та відновлення фінансової стабільності.

World experience shows that the market economy is characterized by instability at the macro and micro levels: crises, unemployment, inflation, bankruptcy. The article discusses the social and economic conditions for the functioning of the banking system of Ukraine under unstable economy. The theoretical studies results of scholars on anti-crisis management are generalized and the need for further development of the theoretical foundations and conditions for the practical application of anti-crisis management tools for commercial banks is substantiated. The regulatory and legal framework in the field of anti-crisis management is analyzed. The reasons of banking institutions crisis state have been determined. Investigated the anti-crisis management organization of commercial banks in Ukraine under modern conditions. The functions of state regulation and control over the activities of commercial banks are considered. The banking crisis definition is proposed. The consequences of the manifestation of the crisis in the development of the bank are considered. The reasons of the banking crisis emergence and development are substantiated. The essence and distinctive features of anti-crisis management of banks in a pandemic have been determined. The stages of anti-crisis management of commercial banks are considered. The need for the system of managerial decisions, which should include means of methodological and information procuring, has been substantiated. Banking crisis management tools are aimed at preventing the emergence of crisis, minimizing the consequences of its manifestation and restoring the financial stability of the bank are proposed.