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Journal: Scientia fructuosa (Vol.101, No. 3)

Publication Date:

Authors : ;

Page : 90-100

Keywords : stress-testing; banking system; scenario; national regulator; business activity.;

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Background. The scientific article is devoted to the research of stress-testing of banking sector and its influence on business activity in a country. The Stress tests enable to settle the size of bank capital, able to survive maximal shocks on financial markets, and also form the sufficient volume of money streams within the limits of world economy depending on the state of investment climate of separate countries and regions. Review of scientific sources in this direction testifies that publications on a theme stress-testing study only methodology, organization, features and its necessity in banking. At the same time, research on using the results of stress-testing of the banking system and their influence on business-activity remain fragmentary. The aim of the research is generalization of advanced international experience in bank stress-testing and estimation of its efficiency at forming business activity of different countries and world regions. Materials and methods. The informative base of researches of banking stress-testing and its influence on business-activity in a country is information, got from such sources, as the scientific articles on this subject, official sites of national regulators and internetsource of economic news. Results. The banking system of any country is not always able to survive unfavorable economy fluctuations. Financial crisis which is in one country not only will compel some banks of the region to acknowledge bankruptcy, but also certainly influences the economicy of other countries, banking sector of which also will be opened for numeral risks. Thus, necessity of stress-testing for the banking system is determined by constantly growing globalization processes in a world economy and is an important indicator of the state of banks, their ability to "feel" approaching of financial crisis and provide maximal readiness to the shock terms. Conclusion. Research of results of stress-testing in particular countries enabled to select positive consequences for their economies, as firstly, capitalization of banks grows; secondly, the moods of investors rise, that it is related to possibility to estimate risks for acceptance of investment decisions on a high level; thirdly, trust to the banks from the side of business, including world one grows; fourthly, functioning of the banking system of country is perfected.

Last modified: 2016-10-26 19:54:58