Designing the Financial and Legal Space of a Banking Organization in the face of Economic Threats

The issue of ensuring a high level of the State economic security at all levels is always relevant. The banking sector development is always accompanied by a modification of risks. However, an increased number of risks in banking activities leads to changes in the risks structure. For financial and credit organizations, the question of increasing credit risk and the associated threats will always remain relevant. The most common threat is the threat of non-repayment. Therefore, it is crucial for any organization, especially for financial and credit organizations, to establish a clear risk management system that allows for the early detection of risks and threats and their neutralization. For the purposes of this study, banking activities can be divided into two large groups: financing and payment facilitation. Payment facilitation allows clients to conduct daily operational activities and settle with their counterparties by transferring and receiving payments in any form, using any instruments, via any communication channels. As a type of operational activity, this area has existed as long as banks have existed. However, it has only recently been considered as a business. To reduce threats, the author proposes to consider a risk management system within the banking system that can be involved in the procedure of filtering of financial threats when providing banking services. The process of managing the elements of the economic security system is based on a coordinated division of the main risk management functions in the context of all types of threats to the commercial activities of the credit organization. In forming such a model of management, the credit organization should carry out information management of the system of external credit relations to accumulate information about clients.