UPRAVLJANJE RIZICIMA U BANKARSKOM SISTEMU (RISK MANAGEMENT IN THE BANKING SYSTEM)

Authors

  • Nikola Vidović Nikola Vidović Ekonomski fakultet, Univerzitet u Beogradu vidovicnikola.finance@gmail.com
  • Hatidza Beriša Univezitet odbrane u Beogradu, hatidza.berisa@mod.gov.rs

Keywords:

bankarski sistem, finansije, bezbednost, kritična infrastruktura, rizik

Abstract

Istraživanjem u radu analizirani su institucionalni okviri bankarskog poslovanja i procesi upravljanja rizicima u bankarskom sektoru, gde su prevashodno sagledana dosadašnja iskustva regulatornih i poslov-nih politika banaka i u okviru nje sistemi upravljanja rizicima. Sadržajnom analizom u radu su prikazani uticaji ekonomske politike države i tržišta na uspostavljanje procesa upravljanja rizicima banke, kao i izloženost banke različitim unutrašnjim i spoljnim izazovima po poslovanje, primena sporazuma Bazelskog komiteta kao obaveza upravljanja rizicima i pragmatična primena različitih modela za zašti-tu od različitih vrsta rizika koji se ispoljavaju. U eri digitalizacije i tehnoloških inovacija kroz softverska i analitička rešenja podržana veštačkom inteligencijom predstavljeni su odgovori za zaštitu, kontrolu, praćenje i saniranje uticaja novih modaliteta izazova i rizika po bankarski sistem kao integralni segment finansijskog sistema zemalja.

The research in the paper analyzed the institutional frameworks of banking operations and risk management processes in the banking sector, where the previous experiences of regulatory and business policies of banks and within it the risk management system were primarily reviewed. The substantive analysis of the paper shows the effects of the economic policy of the state and the market on the establishment of the bank's risk management process, as well as the bank's exposure to various internal and external business challenges, the implementation of the Basel Committee agreement as a risk management obligation and the pragmatic application of different models for protection against different types of risks. which are manifested. In the era of digitization and technological innovation, through software and analytical solutions supported by artificial intelligence, answers are presented for protection, control, monitoring and remediation of the impact of new modalities of challenges and risks on the banking system as an integral segment of the financial system of countries.

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Published

2024-01-18

How to Cite

Vidović, N. ., & Beriša, H. . (2024). UPRAVLJANJE RIZICIMA U BANKARSKOM SISTEMU (RISK MANAGEMENT IN THE BANKING SYSTEM). Zbornik Radova Naučno-stručnog društva Za Upravljanje Rizicima U Vanrednim Situacijama (Collection of Papers, Scientific-Professional Society for Disaster Risk Management and International Institute for Disaster Research, 3(1), 153–167. Retrieved from https://zbornik.upravljanje-rizicima.edu.rs/index.php/d/article/view/41