Akhmetkali T.A.

Lecturer in Finance and Banking, Kostanai State University named after A.Baytursynov, Kazakhstan

Problems financial Resistant commercial banks at the present stage

At the present stage of economic relations in a market economy and integration into the global financial system, a key feature of the banking system is the evaluation of its stable and east. Need to improve the financial stability of the banking system due to the fact that it is now at the center of economic and social and processes, and respond to the impact of those and others. The character of the banking sects of ra, as well, and other branches of the achieved level housekeeper determined market economy, as well as strengthen it and put it in the world.

Sustainable economic development, including its crucial sector - ba n banking system - current issue, as his decision depends not only on the current state of the banking sector, but also its future prospects. Stability banking system, as a broader concept than stability, reliability and n - is a set of measures for which is provided by the performance of its functions and obligations to other economic entities, regardless of outside influences on them w him. Sound banking system is necessary for the effective accumulation and redistribution of significant financial resources to reform and further development of the real sector of the economy. This is achieved by:

1) the presence of a flexible banking system and access to banks at the international level of service, and

2) the adaptation and implementation of the internal market of new financial instruments for efficient and sustainable operation of banks.

The problem of assessing the sustainability of a commercial bank is relevant, since negative values in the banking system a negative impact on ensuring the stability of macroeconomic policies. In a market economy, this problem becomes even more relevant because one of the main factors of success of the reforms becomes reliable functioning of the banking system.

Soundness of banks significantly affects the efficiency of the economy. Soundness of banks can be provided only on the basis of scientific, proven international practice management techniques.

The emergence of a competitive banking system puts a new level of responsibility as a government at the macro level and at the macro level of individual banks for their financial viability. The possibility of new structures increases the likelihood of unpredictable changes and forces banks to develop a flexible policy management personnel of banks, their professionalism, quality of training and the use of stvu employees.

And concerning the activities of each commercial bank is the subject of the extensive range of market relations participants interested in the results of its operations. W To ensure the survival ankh used in the present conditions, the organization must, first and foremost, to be able to realistically assess the financial standing of how its used ankh and the corresponding potential competitors.

Accordingly, analysis of the financial stability of the bank based on the analysis of assets, liabilities, liquidity and profitability. Since the bank must be sustainable not only analyzed at the time, but in the future it becomes advantageous to use such methods of investigation, which would determine the probability of bankruptcy in the future.

The main problem of assessing the stability of a bank branch is the lack of authorized capital, though performance with its use are an integral part of any analysis technique. The only solution in this case is a more detailed analysis of all other aspects of the bank's activities and in particular the effectiveness of the bank's activities in all its manifestations.

Evaluation of sustainable functioning of commercial banks is important in terms of all the subjects of the market economy - banking customers, shareholders, the state, investors and, above all, the banks themselves. This assessment to determine the main directions of development and specification of the bank, which may vary over time.

In modern conditions, evaluation of the sustainability of any subject of the economy is based on certain criteria. Under criterion commonly understood sign based on which a score. The criteria for financial stability of the bank are: capital adequacy, asset quality, the quality of liabilities, liquidity, profitability. In order to further analyze important to specify the content of these criteria. In banking, one of the main conditions to ensure the financial stability of a commercial bank is a bank's capital adequacy and capital adequacy of the scope and nature of the transactions [1].

Significance of the problem of financial stability of commercial banks due to the huge role of the banking system to ensure the process of functioning of the economy, the financial system, the state and society as a whole. Despite the positive qualitative changes in the development of the banking sector, acquiring the character of stable trends, state commercial banks is difficult to accept as satisfactory. Remain relevant tasks of increasing capitalization of banking efficiency mechanisms of transformation of people's savings into investments transparentnos five commercial banks and other Commercial banks are evaluated dynamically, allowing you to identify the positive and negative aspects of their activity. That development indicators, rather than a specific point provide objective information about the bank's stability and development prospects [2].

State of today's economy, which is based on a variety of small and medium-sized businesses, largely depends on the safety and soundness of the banking system. Banking institutions, playing the role of financial intermediaries for the operation of the process in the economy "savings - investment", on the one hand, attract deposits temporarily free funds from individuals and legal entities under a certain percentage, thus preserving the purchasing power of client money, and on the other - provide the funds to organizations and individuals with certain investment needs or in need of additional financial resources, on terms of maturity, of repayment.

Stability of the banking sector largely determines the stability of the economy as a whole and its successful development. Therefore, the primary task of the monetary authorities at the macro level and the management of credit institutions at the micro level is to ensure this stability by pursuing sound monetary policy, analysis and monitoring of the real and financial sectors of the economy, reducing all kinds of risks and revenues exceeding total expenditure, which would entail are improving and enhancing the quality of banking services provided to individuals and legal entities.

Problem of financial stability of commercial banks especially in times of crisis is one of the major problems of the national economy at the present stage of its development. Financial stability is the most important characteristic of the financial activities of a commercial bank in a market economy. Its software is one of the most urgent problems in the activities of commercial banks.

When a commercial bank financially stable, it has a competitive advantage over other commercial banks, which finds expression in attracting additional resources, dominance in a particular market segment, the increase in household deposits as the main source of bank resources and, consequently, to extend the scope of investments, opportunities to develop new innovative services, etc. In addition, the Bank's financial stability creates a favorable external environment, that is, does not come into conflict relations with the state and society, as promptly and fully pay taxes to the budget and extra-budgetary funds, workers' wages and employees, dividends to shareholders, returns the borrowed funds to the creditors.

Financial stability of the bank can be controlled by a set of measures aimed at strengthening the position in the banking system as a whole. First of all, this is accomplished by providing the optimal financial condition and work effective development strategy.

The overall management of the economic sustainability of commercial bank consists of all types of adjustable per section sustainability. Set of financial and institutional sustainability includes policy-making process and involves collecting and processing information, finding solutions, management consulting, control analysis, regulation, organization and optimization of the organizational structure. Ensuring financial stability of the bank is among the most pressing economic problems, especially in conditions of transitive economy, as insufficient financial stability may lead to a bank failure, and further-to bankruptcy.

Literature:

1. Тарханова Е.А., // Устойчивость коммерческих банков. –Тюмень: Изв-во Вектор-Бук, 2003. -286 с., - 2003.

2. Г.Г. Лотобаева., А.А. Насонова. // Система ключевых показателей устойчивости коммерческого банка. -Банковское дело, 2006.