ENSURING FINANCIAL AND ECONOMIC SECURITY IN THE CONDITIONS OF SHADOW BANKING

A scientific approach to financial and economic security based on the use of digital financial monitoring technologies in the growth of financial operations of shadow banking, which allows in the transition to a digital economy to reduce threats to financial and economic security by reducing the possibility of anonymous capital management using impersonal electronic transactions , including remote cross-border management of financial assets in offshore areas and low-tax jurisdictions that hide real participants and beneficiaries of financial transactions from state control. It is substantiated that the introduction of various digital technologies in the implementation of financial transactions makes it necessary to prioritize the control of operators that provide non-transparent maneuverability of operations related to shadow banking. This stimulates the growth of uncontrolled assets for official bodies, including the regulator, creating a basis for new risks and threats to the financial stability of the country's economy and requires strengthening the state's function to protect national interests and increase financial and economic security. The possibility and expediency of automated formation of a distributed group of online registers in which each transaction is controlled, confirmed and registered is determined. This creates a reliable history of transactions with automated identification of all participants in financial transactions based on the inclusion of shadow banking operations in distributed databases containing records of all transactions that cannot be changed or forged, which meets the requirements of automation of control activities. Conceptual provisions on protection of national interests of the country and the decision of a problem of criminalization of a society and liquidation of shadow economy on the basis of increase of transparency of financial operations within the limits of the existing dishonest practices realized by structures of shadow banking are formulated. The priority directions of financial and economic security in the conditions of shadow banking on the basis of formation of the cross-border information environment based on a digital transaction platform are defined by building uniform logic of processes of control activity, rules and coordination possibilities at functioning of the system of the control bodies carrying out monitoring and preventive actions. regarding shadow banking.