The article further develops the system of early warning and response to crisis situations in the local community through the consideration of risks. At the same time, the list of external and internal risks for ensuring effective anti-crisis management at the enterprises of territorial communities is defined. The methods of prevention of internal risks of occurrence of financial crisis at participants of territorial community are offered. In this context, it is justified that the system of early warning and response to crises in the local community will include methods to prevent the risks of financial crisis in the members of the local community. The article presents theoretical aspects of taking into account the risk of investing funds of members of the territorial community in the enterprise, which is in danger of crisis, actualizes the assessment and analysis of the implementation of a new direction of enterprise development, which requires additional financial resources in adverse (crisis). In the study, effective methods of preventing external risks in members of the local community are substantiated. It is established that the external risks that affect the management of crisis phenomena in the territorial community will include: a) economic; b) political; c) social. It is established that diversification is reflected as an influential factor in crisis management. It is substantiated that effective regulation of external risks affecting the management of crisis phenomena includes government regulation. According to the authors, the study of the theoretical foundations for building a risk assessment system to ensure effective crisis management in the enterprises of territorial communities will ensure the effective functioning of various participants in territorial communities.

The role of banks in supporting the functioning of business entities in wartime thanks to preferential lending introduced by the Cabinet of Ministers of Ukraine in 2020 is considered. It is proved that currently the national economy is operationally transferred to the “war rails”, and the main forces are thrown to support critical industries, mainly agriculture, therefore the priorities of business lending reflect exactly this trend. It is well-founded that with the beginning of the war in Ukraine banks are forced to adapt to new conditions of activity, offering new types of loans within the framework of the “Available loans 5-7-9” program for business relocation, for preventing and overcoming the consequences of Russian aggression, etc. An analysis of the lending directions of the TOP-10 participating banks of the “Available loans 5-7-9” program is conducted, which showed that among the pre-war lending directions most agreements were concluded with the aim of overcoming the negative consequences of COVID-19, and during wartime – with the aim of supporting agricultural producers to provide seed company. It is proved that during the war some banks postponed investment lending for the distant future and concentrated on working capital, primarily for agribusiness (JSC “Raiffeisen Bank Aval”, JSC “OTP Bank” temporarily suspended issuing loans for investment purposes. JSC KB “Privatbank”, JSC “Ukreximbank”, PJSC “Bank Vostok” temporarily suspended issuing loans for refinancing). TOP-10 banks that after February 24, 2022 refocused mainly on lending to the seed company and business support during wartime are provided. An analysis of the share of signed loan agreements for the support of the seed company and business support during wartime is carried out for the entire period of the program “Available loans 5-7-9” and during the period of martial law. Banks with the largest share of signed contracts for new lines of lending are noted (JSC KB “Privatbank” 96,84%, PJSC “Bank Vostok” 95,65%, JSC “Ukreximbank” 95,87%, JSC “Procredit Bank” 91,73%, JSC “Ukrgasbank” 91,38%) of all contracts signed during the war period. The characteristics of individual credit products of JSC CB “Privatbank”, JSC “Ukrgazbank”, JSC “Oshchadbank” in the conditions of martial law are carried out.

Ðîзêðèòî òåîðåòè÷í³ îñíîâè ñóòíîñò³ пóбë³÷íèх ф³íàíñ³â òà ñêëàäó пóбë³÷íèх êîшò³â. Âèзíà÷åíî îñíîâíó ìåòó óпðàâë³ííÿ гðîшîâèìè пîòîêàìè òà фàêòîðè âпëèâó íà фîðìóâàííÿ гðîшîâèх пîòîê³â. Узàгàëüíåíî îñíîâí³ зàâäàííÿ àíàë³зó гðîшîâèх пîòîê³â ó пóбë³÷íèх ф³íàíñàх. Âèñâ³òëåíî òåîðåòè÷í³ àñпåêòè òà îðгàí³зàö³éí³ зàñàäè фîðìóâàííÿ ³ ðåàë³зàö³ї пîë³òèêè óпðàâë³ííÿ гðîшîâèìè пîòîêàìè зà îñíîâíèìè åòàпàìè: пëàíóâàííÿì, îðгàí³зàö³ºю, ðåàë³зàö³ºю òà êîíòðîëåì. Дîñë³äaeåíî åòàп пëàíóâàííÿ гðîшîâèх пîòîê³â íà ð³âí³ Дåðaeàâíîгî бюäaeåòó, Пåíñ³éíîгî фîíäó, äåðaeàâíèх êîìåðö³éíèх п³äпðèºìñòâ, äåðaeàâíèх бàíê³â òà бюäaeåòíèх óñòàíîâ. Пðîàíàë³зîâàíî âпëèâ фàêòîð³â íà îðгàí³зàö³ю гðîшîâèх пîòîê³â òà пðîâåäåíî àíàë³з ðåàë³зàö³ї гðîшîâèх пîòîê³â â Уêðàїí³ ó I êâàðòàë³ 2020 ð. Âèзíà÷åíî ñóòí³ñòü òà ìåòó êîíòðîëю гðîшîâèх пîòîê³â ó пóбë³÷íèх ф³íàíñàх. Ключові слова: пóбë³÷í³ ф³íàíñè, гðîшîâ³ пîòîêè, äåðaeàâíèé бюäaeåò, Пåíñ³éíèé фîíä, äåðaeàâí³ п³äпðèºìñòâà, äåðaeàâí³ бàíêè, бюäaeåòí³ óñòàíîâè.