Theoretical notions about bank risks

In this article, the authors try to solve the theoretical aspects of banking risks. Risk is a spontaneous occurrence that occurs under certain circumstances. Banking requires an inventory of all these issues to be identified, assessed, predicted and as far as possible possible to take measures that can at least be diminished if they do not eliminate these risks. In this study, the authors try to clarify the aspects of banking risk that can decisively influence the evolution of a business. For example, certain unforeseen events can occur, act and determine many trajectories that the decision-maker did not consider. Multi-dimensional risk management, because these are many and presents as a system, involves identifying them, assessing the financial risks they produce and, as a consequence, providing for a certain management strategy. The banking system is exposed to two-way risks. The first is that certain elements that may have negative effects on the normal evolution of the envisaged strategy may appear in the banking company’s management. Secondly, it is the risk that the bank’s clients are facing, which must be carefully analyzed, identified and laid down in the bank documents, the allocation of funds to eliminate, as far as possible, the effects or, more precisely, the risks that may arise in the system customers. In order to talk about the risks of banking, the authors set some criteria, make some classification of these risks depending on the exposure or the characteristic of the banking system. Summing up a series of issues, the authors summarize the features, principles and possibilities of identifying, measuring the effects of banking risks. Knowing these risks is an objective necessity for any manager, in particular, but also for any worker in the banking system, who must consider the possibility of the risks we have recalled.