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RESEARCH CENTRE FOR INDUSTRIAL DEVELOPMENT PROBLEMS of NAS of Ukraine (KHARKIV, UKRAINE)

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ID R30-03156

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Liburkina L. M.

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The Scientific and Methodological Basis for Integrating the Conceptions of Financial Resilience, Stability, Stress Resistance, and Resilience in the Banking Sector
Nazarova T. Y.

Nazarova, Tetiana Yu. (2026) “The Scientific and Methodological Basis for Integrating the Conceptions of Financial Resilience, Stability, Stress Resistance, and Resilience in the Banking Sector.” Business Inform 5:745–745.

Section: Finance, Money Circulation and Credit

Article is written in Ukrainian
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UDC 336.71:330.131.7:338.124.4

Abstract:
The article is dedicated to developing a scientific and methodological basis for integrating the conceptions of financial resilience, financial stability, stress resistance, and resilience in the banking sector amid increasing macroeconomic uncertainty, rising systemic risks, and a more complex regulatory environment. The relevance of the study is due to the opinion that in scientific and regulatory discourse, these conceptions are often equated or used interchangeably, even though they differ significantly in their theoretical foundations, level of analysis, time perspective, indicator-metric tools, and functional purpose within the prudential supervision system. The aim of the study is to carry out a systematic theoretical and methodological comparative analysis of the mentioned conceptions, identify their essential differences and interconnections, and form scientifically grounded foundations for an integrated paradigm of banking reliability. The study applied methods of comparative and systemic analysis, structural-logical modeling, and epistemological reconstruction of theoretical approaches. The result of the research was a comparative model covering 17 comparison criteria for four conceptions – conceptual definition, theoretical foundations, level of analysis, time perspective, key indicators and metrics, methodological approaches, regulatory frameworks, risk typology, planning horizons, management focus, toolkit, the role of the regulator, efficiency criteria, interconnections between conceptions, methodological limitations, empirical measurement challenges, and the evolution of the conception. It has been found that financial resilience, financial stability, stress resistance, and resilience form a hierarchically organized system of complementary categories of banking reliability, where each subsequent level builds upon the previous one, expanding the scope of analysis from regulatory microprudential assessment to the strategic adaptive transformation of the banking system.

Keywords: banking financial resilience; financial stability; stress resistance of the banking sector; resilience of the banking system; banking reliability; microprudential supervision; macroprudential policy; stress testing; Basel III/IV; operational resilience.

Tabl.: 1. Bibl.: 29.

Nazarova Tetiana Yu. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Accounting and Finance, National Technical University «Kharkiv Polytechnic Institute» (2 Kyrpychova Str., Kharkіv, 61002, Ukraine)
Email: [email protected]

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