BANKING RISKS OF MONEY LAUNDERING: ESSENCE, TYPES AND MANAGEMENT SYSTEMНегативна тенденція щодо зростання частки тіньового ринку актуалізує питання щодо виявлення операцій з легалізація доходів, отриманих незаконним шляхом. Переважна більшість таких операцій здійснюється за участю банків, тому створення ефективної системи щодо виявлення та попередження фактів легалізації злочинних доходів законодавець покладає на банки. Статтю присвячено дослідженню економічної сутності поняття "банківські ризики легалізації доходів, отриманих злочинним шляхом". На основі узагальнення існуючих досліджень визначено, що складовими банківських ризиків ЛДОЗШ є ри зик клієнта, ризик країни та ризик продукту/послуг. У статті систематизовано фактори, що провокують виникнення ризиків ЛДОЗШ з поділом їх на зовнішні та внутрішні. Досліджено взаємозв'язок ризиків ЛДОЗШ із типовими ризиками банку. Описано теоретичні засади запропонованої системи управління банківськими ризиками ЛДОЗШ, яка повинна бути прописана в нормативних документах банку, орга нічно вписуватися в загальну стратегію банку з управління активами і пасивами. У статті наведено етапи реалізації системи управління, описано принципи, існуючі стратегії, методи оцінки та методи управлін ня ризиками ЛДОЗШ у банківській установі.The article discusses the approaches of scientists to understanding the nature of money laundering risks in banks and found that most scholars consider the risks of money laundering in fragments, focusing only on some

In the work, the theoretical principles of determining trends and vectors of scientific research on issues of strategic management and the formation of the business model of banks are formed, which, unlike the existing ones, are based on the results of the structuring of the existing research work using the VOSviewer v toolkit. 1.6.10, Web of Science Results Analysis Tool, Scopus Citation Overview tool. The structuring of the scientific work on issues of strategic management and the business model of banks was carried out in the following sequence: 1) determination of the quantitative trend of articles; 2) identification the main subject areas; 3) determination of the most cited articles and journals; 4) clustering of articles in relation to the main directions of research in order to determine further analysis options. A dynamic analysis of the number of scientific publications on the issues of strategic management and business models of banks proved that during 1991–2004, the focus of scientific attention was on issues related to business models of banks, in the period 2005–2010, the issues of the formation of business models of banks were studied simultaneously with issues of strategic management, and since 2015, the focus of scientific research has been on the topic of strategic management of banks. The results of the bibliometric analysis proved the presence 5 clusters summarizing the context of research on strategic management of banks, as well as 7 clusters - on issues of business models of banks. The identified trends proved that the triangle "profitability - risk - reliability" and information technologies and regulation are becoming an important part of the banking business model, while financial technologies, information management are an important part of the strategic management of banking activities. At the same time, the development of a business strategy, business model, balancing the profitability-risk-stability triangle in the trend of strategic management of banking activities is becoming more and more important for the bank due to the growing demands of customers and shareholders. The conducted research made it possible to determine the phases of concentration of attention of scientists on the issues of strategic management and the business model of banks, to describe the vectors summarizing the meaningful context of research, as well as to substantiate the dominant tasks that arise during the formation and transformation of business strategies of banks at the current stage of the development of banking.

The approaches to understanding of the concept of "bank finances" are considered in the article The financial resources as a material representation of the bank's finances, which are part of the bank's resources, are created through the mobilization of funds of economic entities through borrowing, transformed by amounts, terms and risks in accordance with the parameters of placement in the bank's assets by their adaptation, and equity (made by shareholders, created as a result of activities and accumulated as a result of the revaluation of assets), the usage of them in the future may lead to an increase of economic benefits of the bank. The links between the key properties of financial resources and the fundamental postulates of financial management of the bank are considered. The activity of the bank as a financial intermediary and a business entity was characterized. A detailed analysis of the external and internal economic relations in the sphere of the bank's finances has been carried out in terms of the formation of bank management mechanisms. To the internal totality of economic relations in the field of bank finances were determined the shareholders of the bank, the bank staff, elements of the financial structure of the bank and elements of the structure of the banking group, financial and industrial group. It was determined that external economic relations are formed due to business partners, subjects of state regulation, subjects of banking regulation and supervision, clients, etc. The possible influence of external and internal economic relations on the achievement of the objectives of strategic financial management, providing the desired level of competitiveness and financial stability is considered. An important element of the financial performance of the bank is the consideration of their principles. It is determined that the principles of finance of the bank should be divided into general (economic independence, self-financing, material interest and responsibility) and specific (increase transparency of financial performance, self-regulation, provision of financial reserves). As a result of this research, the definition of the concept of "bank finances" has been improved and an object field of financial management of the bank has been formed. Key words: bank finances, financial resources, external economic relations of the bank, internal economic relations of the bank, principles of bank finances, management of the bank finances.