DEVELOPMENT OF METHODOLOGICAL APPROACHES TO MINIMIZING BANKING RISKS IN THE MONITORING AND FORECASTING SYSTEM

The article summarizes the main methods and instruments of the risk management system and highlights the main stages of banking risks monitoring, on the basis of which an organizational mechanism for the functioning of an information and analytical system for monitoring banking risks has been built, taking into account the development of digital technology and the emergence of accompanying digital risks. This system represents a special multifunctional set of indicators for studying the external and internal financial environment of the bank. A comprehensive variant system for scenario forecasting of banking risks has been developed; in the context of scenario forecasts, the system considers optimistic, recessive and pessimistic forecasts. Stress testing has been proposed as a method of early warning of banking risks in the short and medium term. Recommendations has been given for organizing the stress testing procedure and specific stages of applying the stress testing scenario in the study of banking risks have been highlighted, taking into account the digitalization of banking services