TIME DESCRIPTION OF ECONOMIC REFORMS

In the current economic environment, due to economic and political instability, a large number of banks are unable to adequately respond to changes of external and internal environment, which can lead to crisis situations, so the problem of identifying patterns and causes of banking crises, as well as identifying opportunities to overcome them relevant. The aim of the research is development of theoretical and methodological provisions on the patterns of occurrence of banking crises and development practical recommendations on the use of methods and tools that can prevent and overcome crisis phenomena. The subject of the research is the regularity of the occurrence of banking crises and the implementation of the mechanism of banks anticrisis management. The methods of the research: analysis, synthesis, abstract and logical, comparative and statistical, generalization and grouping; structural, functional, integral method, etc. The hypothesis of the research. There is a need for differentiation of anti-crisis measures depending on the level of bank crisis state. The statement of basic materials. Factors of occurrence of banking crises are classified. The comprehensive approach to the diagnosis of crisis phenomena in the financial activity of banks has been developed. It is determined that in selecting the criteria and indicators for identifying the bank crisis state, differentiated approach should be used, which is based on the proposed system of indicators, which should reflect the level of bank capital adequacy, liquidity, financial stability, business activity, profitability and efficiency indicators of bank profitability and efficiency so the most important indicators of bank's activity. Preventive and reactive measures in the anticrisis management system of banks depending on the level of the crisis state are proposed. The originality and practical significance of the research is development a comprehensive approach to crisis diagnosis in bank operations on the bases of publicly available data obtained from the published financial statements of the bank. Conclusions and perspectives of further research. Crisis phenomena were diagnosed in the activity of PRAVEX BANK JSC, the complex of preventive and reactive measures of anti-crisis management of banks financial activity was developed, which is a set of methods and instruments aimed at achieving certain target targets, formulated according to crisis stage and depth.

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