Risks in the operations of banks and their scientific and methodological basis

В статье исследуются научно-методические основы присутствия рисков в банковской деятельности. Анализируется природа и сущность экономического риска. Автором предложена классификация рисков в кредитно-денежной системе. У статті досліджені науково-методичні основи присутності ризиків у банківській діяльності. Аналізується природа та сутність економічного ризику. Автором запропонована класифікація ризиків у кредитно-грошовій системі. The article examines the scientific and methodological basis of the presence of risks in banks. Analyzes the nature and essence of economic risk. The author gives a classification of risks in the monetary system. The study revealed that to date there is no single understanding of the risk. We give a few different concepts of risk of economic doctrines. At risk in the banking practice we understand the danger (possibility) of the bank loss of their resources, revenue or work extra costs as a result of certain financial transactions. Banking risks as a kind of economic risks are specific factors and bases of formation. Therefore, in their determination, assessment and management requires the use of specific methods. Features the activities of banks, their relationship with the population, the level of financial sector development and public sector manifest themselves in the formation of various types of risks and uncertainties. Therefore, in order to identify, evaluate and select the methods of risk reduction and management it is necessary to determine first of all the scientific and methodological basis of their formation