DEVELOPMENT OF A BINARY CHOICE MODEL FOR ASSESSING THE FINANCIAL CONDITION OF A BANK'S RELIABILITY

Vorobeva Alla Victorovna, Yashin Denis Dmitrievich, Romanov Alexander Alekseevich

Currently, the problem of financial stability of the banking sector and the importance of its effective functioning is of key importance. In times of crisis, it is especially important to have tools to monitor and ensure the adequate functioning of the banking system, since there is a need to make many strategic decisions on a national scale. Due to the significant transformations of the banking system in recent years, the demand for the assessment of banks has increased along with the urgent need to make the most accurate economic decisions. The difficult financial situation of credit institutions, on the one hand, and the need to expand investments in the economy, on the other, to a certain extent exacerbate the problem, turn it into one of the most pressing theoretical and practical issues of the national economy.

Keywords:Financial condition, binary model, license, banking, modeling, evaluation