改进用于评估商业银行竞争力的方法

Iuliya Trofimova, Aidar A. Mambetkaziyev, G. Konopyanova, Marina Kozlova, Yevgeniy Varavin
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引用次数: 0

摘要

本研究的科学新颖性在于,银行竞争力评估是在金融稳定性的背景下进行的。在国际金融组织(包括银行)中,银行的金融稳定性被理解为有效分配金融资源、确保金融风险管理(这正是银行的工作)的能力。本研究也采用这种方法来确定银行的财务稳定性--财务稳定性的本质反映了财务资源的状况及其使用程度。因此,稳定性也是通过被吸引的金融资源流量来源的平衡来评估的,这些资源是银行运作的基础,而流量则决定了这些资源的使用方向。这项研究的实际意义在于,银行的财务稳定性决定了其不断发展的能力,而这种能力是在所选战略框架内,在竞争激烈的市场中逐步动态发展的。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Enhancing the methods used to evaluate the competitiveness of commercial banks
Scientific novelty of this study is determined by the fact that the assessment of the bank's competitiveness is carried out in the context of financial stability. In international financial organisations (which include banks), the financial stability of a bank is understood as an effective ability to distribute financial resources, ensure financial risk management (which is what banks do). This approach to determining the financial stability of a bank is also used in the study – the essence of financial stability reflects the state of financial resources and the degree of their use. Consequently, stability is also assessed through the balance of sources of flows of attracted financial resources, which are basic for the functioning of the bank and flows that determine the directions of use of such resources. The practical significance of the study is conditioned by the fact that the financial stability of a bank determines its ability to constantly develop, which is a gradual, dynamic movement in a competitive market within the framework of the chosen strategy.
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