УПРАВЛЕНИЕ ФИНАНСОВОЙ УСТОЙЧИВОСТЬЮ КОММЕРЧЕСКИХ БАНКОВ В УСЛОВИЯХ ЭКОНОМИКИ ДАННЫХ: ОБОСНОВАНИЕ НЕОБХОДИМОСТИ НОВОГО ПОДХОДА

Abstract:
The aim of the article is to identify the key changes in the financial stability management of commercial banks that should occur in connection with the formation of the data economy. The scientific novelty of the study lies in substantiating the necessity for and identifying the main directions of development of financial stability management of commercial banks under the conditions of the emerging data economy, as well as in developing practical recommendations for improving management practices. The study employs the dialectical method; methods of induction and deduction; methods of scientific abstraction, analogy, and classification; statistical methods; methods of systemic and comparative analysis; the method of unity of the historical and the logical; and the method of graphical data interpretation. The main results of the study are as follows: proof of the necessity of transforming data into an independent object of management within the financial stability management system of a commercial bank under the conditions of the emerging data economy; a characterization of the content of data management within the financial stability management system of a commercial bank in the data economy (including at the initial stages of its formation); a delineation of the concepts of «data economy» and «digital economy»; and the identification of previously unidentified changes and new features of the reproduction process caused by the formation of the data economy. The practical significance lies in the possibility of using the results of the study in the activities of international organizations, regulators, and commercial banks. The results obtained may be used in further research devoted to the financial stability management of commercial banks and to the data economy.