scholarly journals PERSPECTIVE MECHANISMS OF DEVELOPMENT OF PARTNERSHIP RELATIONS OF THE STATE AND BANKING SECTOR

2020 ◽  
pp. 158
Author(s):  
Muzher Hussein Muzher Marvan
Keyword(s):  
Banking Sector ◽  
The State ◽  
Mechanisms Of Development ◽  
Development Of Partnership

Effectiveness of Government Regulation of the Banking Sector: Assessment and Rating of Banks

2020 ◽  
pp. 85-95
Author(s):  
Halyna O. Kryshtal
Keyword(s):  
Government Regulation ◽  
Banking Sector ◽  
Credit Rating ◽  
Analytical Data ◽  
The State ◽  
Economic Sector ◽  
Rating Agencies ◽  
Depth Study ◽  
State Regulator ◽  
Almost All

The article deals with the causes of the negative situation in the banking sector, as the state of the bank depends on the analysis of almost all aspects of banking activity for some time. It is determined that during the banking sector audits, the state regulator uses analytical data on the banking sector's operations with its monetary obligations, compliance with maturities and maturities of assets that operate and terms and amounts of liabilities, namely, dealing with banking sector liquidity. As their financial reliability is important in the banking sector, therefore, bank clients are a socio-economic sector, needing an objective and independent assessment, as reliability directly affects the socio-economic development of the country. The banking sector was analyzed in 2016-2019 and it was found that during this period violations of laws and regulations issued by the state regulator were made in the banking sector. A number of penalties, written warnings and administrative penalties were applied by the state regulator. The method of determining the rating of banks in respect of which penalties were applied by the state regulator is proposed. The rating allows investors and potential clients to understand the situation in the banking market and helps banks identify their weaknesses and correct their work. The application of the proposed economic and mathematical model in the rating of participants in the banking sector can have a positive effect on: improving the quality of management in the banking sector and transparency in the activities of each individual bank; standardization of technologies of rating of the banking sector under the prism of the applied sanctions by the state regulator. Therefore, there is a need for an in-depth study of the techniques used by credit rating agencies in the banking sector and the identification of the main problems in establishing the rating of the banking sector. Key words: banking sector, state regulator, economic sector, efficiency, rating, rating, social sector.

scholarly journals SWOT-ANALYSIS AS A TOOL FOR DETERMINING A SMALL ENTREPRENEURIAL STRUCTURE DEVELOPMENT STRATEGY

2021 ◽  
pp. 59-66
Author(s):  
Khrystyna Danylkiv ◽  
Oksana Sadura
Keyword(s):  
Economic Growth ◽  
Development Strategy ◽  
Small Businesses ◽  
Matrix Method ◽  
Banking Sector ◽  
Swot Analysis ◽  
External Environment ◽  
The State ◽  
Retail Trade ◽  
Strategic Analysis

Purpose. The aim of the article is strategic analysis of the state of development of LLC “GALYCHMED”, identification of positive and negative trends and changes, identification, and awareness of the factors that cause inhibition of its development, search for priority ways and directions of development of the analysed enterprise. Methodology of research. To achieve this goal, a toolkit of research methods was used, namely: economic-statistical and calculation-analytical – to study the opportunities and threats to the external environment of the operation of LLC “GALYCHMED”, the strengths and weaknesses of the studied enterprise; matrix method of strategic analysis (SWOT-analysis) – to comprehensively reflect the results of the analysis of the external and internal environment of LLC “GALYCHMED”; problem-oriented – to substantiate the strategic directions and the potential scenario of solving the issues of development of the analysed enterprise; tabular – for visual display and effective perception of statistical data; induction and deduction – for concluding; logical – for the consistent generalization of theoretical and practical provisions of scientific research. Findings. SWOT analysis was performed according to the stages of filling in the SWOT matrix, processing (summarizing) results, and analysis of results. It is noted that the main purpose of SWOT analysis as a matrix method is to obtain reliable data on the company’s capabilities and threats to its promotion in the market of goods and services, so before SWOT analysis are the following tasks: identifying marketing opportunities that meet the company’s resources; identification of marketing threats and development of measures to neutralize their impact; identifying the strengths of the enterprise and comparing them with market opportunities; identification of enterprise weaknesses and development of strategic directions for overcoming them; identification of competitive advantages of the enterprise and formation of its strategic priorities. It is established that the influence of the macroenvironment is negative and the mesoenvironment is positive. The most important factors of positive influence are the attitude of the buyer to the product, the population, the attitude of people to work, and so on. Among the most negative factors are inflation, the social situation in the country and the world (COVID-19), financial crisis, slowing economic growth, the purchasing power of the population, industry competitors, potential competitors, and more. The following advantages of the analysed enterprise are determined: the goods sold by the enterprise; quality of services; state of the sales system; market share; availability of credit; enterprise assets; net profit. It is proved that the unstable financial market due to the pandemic, the devaluation of the national currency, the situation in the banking sector, losses in the area of environmental protection in eastern Ukraine, as well as other factors negatively affected the trading activities of LLC “GALYCHMED”. In most retailers, costs have risen and profits have fallen, prompting more conservative pricing and spending cuts. Originality. The application of SWOT analysis has been further developed, which allows to selection measures to ensure the economic growth of the enterprise, systematize problem situations, identify and use new potentials faster than competitors, avoid dangers, make informed decisions about small business development, and prevent irrational use of financial assets. This technique is an effective, affordable, cheap way to assess the state of the problem and management situation in small businesses. Practical value. The results of the SWOT analysis are recommended for use by the researched enterprise (LLC “GALYCHMED”) and other retail enterprises to determine the development strategy, for market analysis and study of competitiveness, but each time it must be adapted to the specifics of the enterprise. Key words: SWOT analysis, strengths, and weaknesses of the enterprise, opportunities and threats, external environment, economic environment, financial and economic situation, retail trade, strategic planning, demography, political environment.

scholarly journals Institutional development and bank competitive transformation in late industrializing economies: the Spanish case

2016 ◽  
Vol 18 (1) ◽  
pp. 27-62 ◽  
Author(s):  
Angela Garcia Calvo
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
Historical Analysis ◽  
Institutional Development ◽  
The State ◽  
Role Of The State ◽  
Strategic Coordination ◽  
The Government ◽  
New Generation ◽  
Late Industrializing

This paper explores the contribution of national institutions to the competitive transformation of big commercial banks in late industrializing countries through the analysis of the Spanish case. The paper uses a comparative historical analysis to establish that strategic coordination between the state and large banks is a structural feature of the banking sector but may be articulated differently depending on the balance of power between states, banks and industry, the preferences of these actors, and their resources. Using evidence from Spain since the late 1970s, the paper argues that in this country, state-bank coordination was articulated as a non-hierarchical system of negotiated interactions and mutual exchanges of benefits between small groups of decision-makers at the government, the central bank, and big banks. Under the Spanish model, large banks contributed to the fulfillment of public policy objectives to develop the central bank's capacity to conduct monetary policy, strengthen supervision of the banking system, and modernize the financial sector. In exchange, big banks benefited from a favorable regulation that enabled them to restructure, consolidate the leadership of a new generation of bankers, and reach the efficiency frontier of their industry. The paper contributes to the literature of institutionalism by questioning the traditional dichotomy between market and strategic coordination. It also contributes to the literature of competitiveness by stimulating debate about the role of the state in supporting the transformation of big business.

scholarly journals FINANCIAL MARKET STABILITY – KEY LEVER ECONOMIC DEVELOPMENT OF THE STATE

2021 ◽  
Author(s):  
Inna Aleksieienko ◽  
Svitlana Leliuk ◽  
Olga Poltinina
Keyword(s):  
Gross Domestic Product ◽  
Financial Market ◽  
Banking Sector ◽  
Equity Capital ◽  
The State ◽  
Capital Adequacy ◽  
Domestic Product ◽  
Bank Capital ◽  
International Liquidity ◽  
The Impact

Economic issues of the state's development at the present stage, largely depend on the development of the financial sphere. That is dictated by the reduction of the role of the real sector in the economy of the development of the state. Based on the experience of developed countries, we can state that the functioning of the effective banking system is the lever of development of the country's economy. The modern Ukrainian economy still cannot demonstrate the adequacy of the development of the financial market. The banking sector is most effective in this area. The issue of regulating the adequacy of bank capital is also relevant for the Ukrainian economy. The solution of this issue, to a certain extent, is embedded in the process of Ukraine's implementation of international standards for regulating the activities of banks. In this direction, the NBU has developed a program of measures to update regulatory requirements for banks. The paper argues the feasibility of a bank-centric financial market model for Ukraine. An analysis of the dynamics of the formation of bank capital has been carried out. The indicators of its sufficiency are considered separately. The results of the analysis of the compliance of Ukrainian banks with international liquidity standards are presented. Analysis of banks' capital security, dynamics of its absolute values with the rate of formation of gross domestic product was carried out. The bank's capital adequacy indicators are used as criteria for assessing their stability. The methodology used to assess the relationship between banks' equity and gross domestic product through sensitivity ratio (β). The level of communication between the indicators was determined by the value of the correlation ratio. Separately, an analysis of the impact of banks' equity on the level of gross domestic product for individual periods was carried out. The purpose of this analysis is to find out the peculiarities of banks' activities. As a result, it was proved that there is a connection between the indicator of the level of banks' equity capital and the gross domestic product. Additionally, the article describes the problems that hinder the development of the financial market in Ukraine. Government support for the banking sector is the basis for its development.

scholarly journals INTERREGIONAL ANALYSIS OF THE STATE AND DYNAMICS OF MORTGAGE LENDING

2021 ◽  
Vol 2 (53) ◽  
pp. 174-181
Author(s):  
 E. V. Sitnikova ◽  
◽  
 D. E. Maksakov ◽  
Keyword(s):  
Housing Market ◽  
Banking Sector ◽  
Calculated Data ◽  
Weighted Average ◽  
Mortgage Lending ◽  
The State ◽  
Regional Level ◽  
Mortgage Loans ◽  
Financial Flows ◽  
Business Entities

Subject. Organizational and economic relations developing during the functioning of the housing market and mortgage lending. Topic. Interregional analysis of the state and dynamics of mortgage lending. Purpose. The purpose of the work is to develop directions for increasing the efficiency of mortgage lending as the most important tool for the development of the housing market. Methodology. The study was carried out using abstract-logical, comparative, economic and statistical approaches, a graphical technique for visualizing statistical and calculated data. Results. To analyze the state of mortgage lending at the regional level, the volume of issued mortgage loans in a territorial context was considered, the structure and dynamics of issued mortgage loans for individuals was studied, the debt on mortgage loans was revealed, the dynamics of the weighted average interest rate in each federal district was analyzed. The analytical review carried out in the study made it possible to draw conclusions about the state of development of mortgage lending in the regions, as well as to offer recommendations for its improvement. Application area. The results of the study, the main provisions, conclusions, recommendations are focused on widespread use by business entities in the process of assessing and analyzing their mortgage lending. Conclusions. The significance of this study is due to the need to identify the degree of development of mortgage lending, which is especially important at the regional level. The purchase of own housing, which will be available not only for certain categories of citizens, but also for the majority of the population of the Russian Federation, is ensured through the development of the mortgage lending market. This form of lending contributes to the satisfaction of not only the interests of the bank and citizens, but also allows to ensure financial flows to the development of the real sector of the economy. Keywords: mortgage, mortgage lending, credit organizations, banking sector, housing construction, debt, regional banking system.

scholarly journals Peculiarities of cybercrime investigation in the banking sector of Ukraine: review and analysis

2021 ◽  
Vol 16 (1) ◽  
pp. 69-80
Author(s):  
Sergij S. Vitvitskiy ◽  
Oleksandr N. Kurakin ◽  
Pavlo S. Pokataev ◽  
Oleksii M. Skriabin ◽  
Dmytro B. Sanakoiev
Keyword(s):  
Criminal Law ◽  
Rapid Growth ◽  
Banking Sector ◽  
The State ◽  
Virtual Space ◽  
Survey Method ◽  
Current State ◽  
Effective System ◽  
Private And Public

The rapid growth in the number of cybercrimes committed in the banking sector requires the creation of an effective system for preventing such crimes and ensuring the cybersecurity of the state. The constant updating of means and methods for cybercrime commission necessitates the identification of effective measures to combat them. The paper uses a survey method to study the theoretical experience and practical measures to prevent cybercrime in the banking sector to identify effective ways to combat crime in the virtual space of Ukraine. The paper analyzes the experience of the world’s leading countries concerning cybercrime prevention, deals with measures to improve the level of cybersecurity of national and international cyberspace. It is concluded that the current state of cybersecurity in Ukraine does not meet contemporary requirements and needs initiating effective measures and coordinated cooperation between private and public sectors in order to effectively combat cybercrime, in particular: enshrining the classification of cybercrimes in the regulatory legal acts of Ukraine; introduction of the concept of “banking criminal law” in the scientific and legal sphere; creation of Ukrainian cyber forces, whose activities will be aimed at preventing and combating crimes committed in cyberspace.

scholarly journals Legal support of Ukraine in the context of attracting capital by banks in international m

2021 ◽  
Vol 1 (2) ◽  
Author(s):  
Olena Yu. Volkovych ◽  
Keyword(s):  
European Union ◽  
Economic Crisis ◽  
Capital Market ◽  
Banking Sector ◽  
Public Information ◽  
Commercial Banking ◽  
The State ◽  
The European Union ◽  
Association Agreement ◽  
The Capital Market

The article provides a theoretical and legal analysis of the legal support of Ukraine in the context of raising capital by banks in international markets. The author determined that the economic crisis in the country is protracted, the capital market in Ukraine remains largely underdeveloped. The state has taken many steps to overcome the economic crisis, identified priority measures, strategic steps to build a sustainable economy, in particular, many efforts have been made to find free funds to attract investment, but this, as practice shows, was not enough. An important step in building a free and competitive state was the adoption of the Association Agreement between Ukraine and the European Community. This document is the largest international legal document in the history of Ukraine and the largest international agreement with a third country ever concluded by the European Union. In accordance with the Program of Integration of Ukraine into the European Union (hereinafter - the Program), approved by the Decree of the President of Ukraine � 1072/2000 of 14.09.2000. Synchronization of internal market transformations of changes in the processes of EU enlargement. First of all, it concerns: reform of executive and judicial bodies and cooperation of the Ministry of Justice of Ukraine with courts; administrative and territorial reform; formation of the foundations of regional development policy (including legislation on the distribution of competencies, budgets, taxes); completion of privatization (primarily enterprises of strategic importance for the economy and security of the state and banks); reforming the banking sector as a whole. Thus, in particular, a developed capital market is usually seen as a competitor in the commercial banking sector, as they compete for retention and investment opportunities. However, in today�s financial system, there are complementary relationships between the capital market and banks, as they choose different segments of the financial markets and focus on different types of customers. In the process of writing the article came to the following conclusions. The right direction in the reform of the economic sector is to determine the measures of state investment support should be preceded by a detailed analysis of the effect of the benefits and preferences previously granted to economic entities. Establish the legislative level the provision that the minimum amount of public investment should be equal to the amount of all new debt, i.e., the amount of borrowings during the year may not exceed the amount of budget expenditures to finance investments. Introduce the practice of developing and implementing investment incentive packages. Introduce a practice in which the decision on new borrowings is preceded by public information on which projects have already been used to finance the funds and for which purposes (projects) new borrowings are envisaged. Establish strict control over debt activities.

scholarly journals ANALYSIS OF CREDIT INSTRUMENTS FOR INCREASING FINANCIAL AND INVESTMENT POTENTIAL OF THE REGION

2020 ◽  
Vol 70 (4/2020) ◽  
pp. 161-173
Author(s):  
R. V. Badylevich ◽  
◽  
E. A. Verbinenko ◽  
Keyword(s):  
Monetary Policy ◽  
Interest Rates ◽  
Banking Sector ◽  
Policy Instruments ◽  
The State ◽  
Russian Arctic ◽  
Open Market ◽  
Autonomous District ◽  
Murmansk Region ◽  
Nenets Autonomous

The article is devoted to analyzing credit instruments for increasing the financial and investment potential of the region. The place of credit instruments in the state monetary policy system is considered, and the influence of the monetary policy on regional economic processes is analyzed. Based on the analysis of the relevant research works, the thesis on different reactions of regions to significant decisions of monetary authorities while implementing the monetary policy is confirmed. Possibilities of differentiating application of the monetary policy instruments by territories in accordance with the development specifics of individual regions or their clusters are studied. It is concluded that some of the instruments (interest rates on operations of the Bank of Russia, mandatory reserve requirements, open market operations, refinancing of credit institutions) have a potential to adapt their use in the regional context. Separately, the article highlights and analyzes direct regional tools for enhancing credit activities, such as direct lending to priority areas and sectors of the economy by regional authorities, subsidizing credit rates for certain categories of borrowers, and creating regional credit organizations with governmenta participation. Based on the assessment of the principles of using the instruments to increase the financial and investment potential of the region, the article provides recommendations for choosing credit instruments for the regions of the Russian Arctic zone (Arkhangelsk region, Nenets Autonomous district, Yamalo-Nenets Autonomous district, Republic of Karelia, Komi Republic, Murmansk region, Krasnoyarsk territory, Republic of Sakha (Yakutia)). For this purpose, the features of building and functioning of the financial systems of the Russian Arctic regions, and the state and performance indicators of their banking sector were analyzed.

scholarly journals IMPACT OF EXOGENOUS SHOCKS ON CONSUMPTION APPROXIMATED BY RETAIL TRADE IN CROATIA

2020 ◽  
Vol 6 (2) ◽  
pp. 15-26
Author(s):  
Darko Karić
Keyword(s):  
Interest Rates ◽  
Banking Sector ◽  
Paper Analysis ◽  
The State ◽  
Retail Trade ◽  
Exogenous Shocks ◽  
Irrational Behavior ◽  
Personal Consumption ◽  
Banking Market ◽  
The Impact

This paper analysis the impact of two different types of exogenous shocks on the consumption, approximated by retail trade in Croatia. The aim of this paper is to show that the crisis caused by financial disturbances and the crisis caused by pandemic have different repercussions on movements of interest rates and further impact on consumption. Banks react differently in a crisis that has no cause in the financial sector compared to the crisis caused by disturbances in the financial and banking market as we had in 2008. Therefore, it will be proven that in crisis of 2020, which is more significant in strength than the crisis in 2009, Croatia has pursued a different economic policy, aimed to retaining jobs and maintaining the level of consumption from pre-recession periods. All mentioned emphasizes two facts: 1. The irrational behavior of the state in a crisis caused by disturbances in the financial and banking sector differs to the state reaction to the crisis caused by a pandemic, that has no financial cause; 2. Fear of negative psychological expectations and falling demand and personal consumption, are the most important components in the GDP structure

India’s banks will struggle to inspire confidence

2020 ◽  
Keyword(s):  
Private Sector ◽  
Banking Sector ◽  
The State ◽  
Regulatory Oversight ◽  
Content Type ◽  
Shadow Banks ◽  
Reserve Bank ◽  
High Level ◽  
Bad Debt ◽  
Reserve Bank Of India

Subject Problems in India's banking sector. Significance The Reserve Bank of India (RBI) earlier this month stepped in to rescue imperilled Yes Bank. The private sector lender had accumulated a high level of bad debt. Impacts Indian borrowers will be increasingly distrustful of shadow banks as well as banks. The State Bank of India could come under strain owing to its need to support Yes Bank financially. The RBI will come under growing pressure to improve its regulatory oversight of the banking sector.

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