Moscow, Moscow, Russian Federation
The relevance of this study is determined by the increase in macroeconomic instability (with the expectation of a global economic crisis of a financial nature in 2023-2024), which traditionally negatively affects the banking sector. The purpose of the presented studies is to determine a rational version of the model for ensuring the reliability of the functioning of commercial banks in the context of macroeconomic instability. The scientific novelty of the results obtained lies in the formation of the objective function of the efficiency of the functioning of commercial banks in the conditions of macroeconomic instability. The practical significance of the results obtained lies in the possibility of their use both by commercial banks when determining a rational variant of the model for ensuring the reliability of functioning in conditions of macroeconomic instability, and by the Central Bank in order to minimize the desire of commercial banks to deviate from compliance with liquidity requirements, taking into account the current and expected level of macroeconomic stability.
rational variant, reliability model, functioning of commercial banks, conditions of macroeconomic instability
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