Adequate accommodation infrastucture is on of the basic conditions for sustainable tourism development. In order to improve accommodation infrastructure, particular addressing the problem of a large share of private accommodation in total infrastucture, it is proposed to transform these capacities indo condo model, diffused and integral hotels. Another major problem in tourism development in Montenegro is not an adequate structure of emissive markets, more precisely dominance of 2 markets. In order to improve emissive market infracture it is necessary to focus primarly on West European and Scandinavian market. Improving the situation of the mentioned problems would significaly affect the sustainable development of tourism in Montenegro.
The globalization of financial markets and negative consequences of the financial crisis resulted in negative connotations in the operation of many financial institutions, businesses and citizens and imposed the need to implement appropriate risk management measures in the banking sector. Evolution of the financial sector makes a lot of news in the field of risk management and particularly the modelling of market, credit and operational risk. The main methodology for risk management is the value-at-risk, which is used in practice with other techniques such as the capital- at-risk method in order to minimize business risks and achieve optimal results in the banking and, generally, financial operations. Accordingly, at all levels of governance in the banking sector, there are prudential policies in place governing the management of all types of financial and operational risks. Based on the abovementioned, the focus of the examination was on the above postulate, and prompt recognition, control and proper management of banking risks.