FI is primarily associated with a specific situation where "the economy operation potentially deteriorates with price fluctuations of financial assets or the inability of financial institutions to meet their contractual obligations" [21], when "prices of some key financial assets deviate sharply from their fundamentals, and the operation of credit markets is thrilled, due to which the aggregate expenditures deviate significantly from the normal level" [22]. As a result, the functioning of the key elements of the financial system is disrupted, and the latter is unable to withstand shocks and prevent their destructive impact on the real economy [23].