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Economic Security of the Functioning of Commercial Banks in the Region: A Study of Factors

The article is devoted to the study of an urgent problem in modern realities of economic development: the study of factors that influence the economic security of the banking sector in the region. The subject of the research is the economic security of banks and the region and the factors that influence them. The article identifies the main trends in the development of the banking sector in the Belgorod Region, the main of which are: a negative trend towards a reduction in the total assets of the bank, associated with a decrease in liabilities as a result of a reduction in the main item of attracted funds from banks, customer funds (including deposits of the population); an increase in financial results by the end of the period, which indicates the effective operation of banks in the Belgorod region; increase in lending volumes while maintaining the share of overdue debt in the loan portfolio at an acceptable level. This article examines the factors that influence the economic security of the functioning of the banking sector in the region. It was revealed that the greatest impact on economic security is exerted by the quality of bank management (internal factor), as well as the influence of global risks (external factor). Keywords—economic security, bank, region, research of factors, banking risks, banking management.