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The paper proposes an assessment and analysis of the dynamics of the state of personnel security and the effectiveness of its management on the basis of integral indicators of the development level, which allows to obtain an equal quantitative assessment of the development dynamics in a certain area in the form of an integrated rating indicator. The study of the components of the diagnostics at the general level of bank personnel safety in the work there was carried out by distinguishing the following system-forming elements on the basis of changing the range of relevant integral indicators, namely: the level of the staff’s competition in the banking market, which can become three states-rigid, regulated and perfect; the commercial bank’s personnel safety, which is classified as high, sufficient, medium and low; the environmental factors’ influence level that can have a destabilizing, neutral and positive impact; the environmental factors’ influence level is classified by the degree of influence-aggressive, moderate, weak. The model implementation selecting the strategy to ensure personnel security is based on the construction of the strategic priorities vector to be built on the appropriate coordinate system based on the calculated estimates for each of the studied components. The strategic priorities vector defines the strategy that is appropriate to choose for a commercial bank with the current level of development and the corresponding degree of influence of all the selected factors. In the direction opposite to the vector of strategic priorities there is a strategy that needs to be implemented to improve security by balancing external factors. Four quadrants of strategic personnel security solutions have been built under four simulated scenarios. The paper proposes a comprehensive approach to modeling the scenarios of strategic changes in the commercial bank’s personnel security, which allows to make a comprehensive analysis at all levels of management in the banking market, in particular, to take into account the overall level of the staff’s competition in the banking market, the level of personnel security of a particular commercial bank and to investigate the personnel management systems’ development level in the area of personnel security on the conditions of external and internal factors of influence and to define scenarios of implementation for changes to be tailored to the subject under consideration, taking into account their particularities, capabilities and competitive advantages

The article proposes methodological aspects of the banking system efficiency evaluating in the direction of the influence on capital concentration factor under modern transformation conditions. Capital efficiency was investigated as the dependence of Ukrainian banks' total income on the volume of its equity and liabilities on the basis of Cobb-Douglas nonlinear regression models for for data according Ukrainian banks’ records for 8 years, which were classified into four groups by the size of regulatory capital and assets. The bank`s inefficiency measure is calculated on the basis of real data and standart values for each factors as Euclidean space distance to the efficiency level. The forecasted characteristics of banks' activity efficiency in groups using exponential smoothing methods and piecewise models are determined. According to the results of the prognosis of the estimates of capital efficiency according to the model of piecewise linear regression, a general drop in the capital efficiency of the banking system as a whole in groups is envisioned. To evaluate the overall efficiency of banks, the matrix "productivity — efficiency" was created. The obtained estimates confirm the uneven distribution of banks by quadrants, the absolute majority of which are concentrated in a quadrant with a critical level of efficiency. The implementation of the proposed toolkit on the basis of models of evaluation of the productivity and efficiency of the banks' allows us to identify banks that require a radical change in strategy, revision of the process of using resources with the aim of reduction of the dependence of banks' profitability on negative external influences.

The article is based on a financial condition indicators system, which assesses the financial risk of the enterprise, and their grouping according to the nature of the impact on the enterprise financial position. The following financial risks groups have been identified: the inappropriate capital structure, inefficient financial activity, liquidity decline, ineffective operating activities, the imbalances in cash flows and ineffective investment activities risks. Each group of indicators is selected by the "center of gravity"one representative method to construct a model for assessing the financial risk in the enterprise level. It is determined that representative indicators in identifying the financial risk in an enterprise level are: coefficient of autonomy, coefficient of turnover of capital, absolute liquidity ratio, return on sales, net cash flow ratio, total return on investment. At the next stage of constructing a model for enterprise financial risks minimizing using expert method, representative indicators are measured according to their informativity for assessing financial risk at the enterprise. Taking into account the indicators significance, a machine-building enterprises assessment financial risk model was constructed on the basis of the enterprise financial risk level indicators-representatives additive convolution with their significance weight coefficients correction. The functional dependencies between the indicators are determined given the direct and inverse nature of the link between the indicators that characterize the machine-building enterprises financial risk, using correlation-regression analysis. An optimization model for machine-building enterprises financial risks minimizing was built on the principle of limiting financial risks. Optimizing the model means getting the maximum integral index value of the financial risk neutralization level. To this end, the Kuhn-Tucker theorem is used. As a result of model optimization it was revealed that from the point of view the financial risks at machine-building enterprises level minimizing, the optimum values of financial indicators are: for the coefficient of autonomy — 0.41; for the capital turnover coefficient — 31,0; for the coefficient of absolute liquidity — 0,45; for a profitability ratio of sales — 0,29; for the coefficient of sufficiency of net cash flow — 0,60; for the coefficient of total return on investment — 0,28. The established norms of financial indicators provide financial risk minimization at machine-building enterprises.