MENADŽMENT ORGANIZACIONE BEZBEDNOSTI PLATNOG PROMETA
DOI:
https://doi.org/10.5937/Oditor2203072ZKljučne reči:
menadžment rizika, platni promet, gotovina i sigurnostApstrakt
Menadžment rizika u platnom prometu obuhvata identifikovanje, merenje i upravljanje rizicima. Zato je neophodno uspostaviti njegovu efikasnu funkciju u platnom prometu. U poslednjih deset godina, evedentan je razvoj menadžmenta rizika u zemljama u tranziciji. Imajući ove činjenice u vidu, cilj ove istraživačke studije sastoji se u sagledavanju rizika u platnom prometu, sa posebnim osvrtom na analizu upravljanja gotovinom. Rezultati ove pregledne studije pokazuju da svaka banka posluje sa manjim ili većim brojem rizika, pozicionirajući se između dva ekstrema: apsolutno prihvatanje rizika i apsolutno neprihvatanje rizika. Nepohodno je da stepen prihvatanja rizika bude proporcionalan sposobnosti banke da pokrije nastale gubitke, kao i da ostvari prihvatljivu stopu prinosa. Ostvarivanje viših prinosa je moguće ukoliko banka uspostavi efikasnu identifikaciju, merenje i upravljanje rizicima poslovanja. Nosioci narušavanja sigurnosti proizlaze iz vrste izvora iz kojih će kasnije proizići i oblici narušavanja sigurnosti. Da bi se sprovela odbrambeno-zaštitna funkcija, potrebno je da se u njoj uvrstite one mere koje pružaju mogućnost eleminisanja elemenata koji dovode do narušavanja sigurnosti i opasnosti. Te mere moraju da budu sastavni deo institucije i izvođenja radnog procesa. Uslov za sigurno i normalno poslovanje u platnom prometu gotovinom podrazumeva neophodnost posedovanja obučenog ljudstva za sprovođenje funkcije sigurnosti. Da bi se sprovela funkcija sigurnosti i da bi se njome uspešno upravljalo, potrebno je da se itegrišu različite norme u postojećim zakonskim propisima.
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