Providing Security of Banking in View of New Factors of Fast Changing Environment

The goal of the research is to classify sources of hazard and threats for banking, to identify key functional targets, whose attainment could provide security of banking in fast changing environment. In the research the authors used methods of comparative analysis, formal-logical, inductive ones, as well as mathematic methods – matrix, graphic and fuzzy modeling. As a result goals were defined and steps proposed that could foster shaping of complex security of banking. However, the mentioned goals cannot be reached at once and finally, thus provision of security is a continuous succession of steps of cyclic nature. Dynamically changing conditions of the external environment of the bank raises the importance of estimating external threats by the top management, including foreign-policy and even global ones. To prevent those threats activities of a single bank will not be enough, however, top management of the organization is responsible for finding the level of their hazard and working-out steps of response, which gives rise to the necessity to change the structure of managerial bodies, the scheme of subordination and responsibility of bank divisions in order to raise involvement of management in operation of security bodies. Practical classification of sources of hazard and threats for banking is conducted by matrix of threats, whose elaboration could help characterize key sources of threats and objects of infringement. An example of such a matrix was given and on its basis a mathematic model was put forward, which combines fuzzy estimations and accurate values that provide coordinated decisions. The result of modeling shows which steps aimed at providing banking security are now the most important and in what order they shall be taken.

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