1314Н. Розанова, Национальный исследовательский университет Высшая школа экономики (НИУ ВШЭ), РФ, 119049 Москва, ул. Шаболовка, 31 (nrozanova@hse.ru)
Аннотация. В статье анализируются современные тенденции развития риск-менеджмента в банковском бизнесе. Усиление асимметричности информации и конкурентного давления, ужесточение регулятивных норм обусловливают неэффективность традиционных подходов к управлению рисками. Зарубежный опыт показывает, что ведущие банки мира ищут адекватные ответы на современные вызовы. Новая модель банковского риск-менеджмента базируется на разумном балансе между стабильностью и гибкостью, опирается на консервативные элементы содержательного анализа на основе открытости, упрощении внутренних бизнес-процессов, повышения значимости и роли риск-менеджеров в управлении банком.
Ключевые слова: риск-менеджмент, бизнес-модель, банки, рыночные структуры, конкуренция, риск-культура
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