BANKING REGULATION AS A FACTOR FOR PROVIDING UKRAINIAN BANKING SYSTEM SUSTAINABLE DEVELOPMENT

The article is devoted to the analysis of scientific approaches to the interpretation of the concepts of "state regulation", "state regulation of banking", "banking regulation" and the measures on which the state regulation of banking is based. An analysis of the scientific literature in various fields allows us to conclude that scholars ambiguously interpret the term "state regulation of banking." Most often, state regulation of banking is seen as a system of measures by which the state through authorized bodies regulates the activities of banks. The domestic legislator considers the concept of "banking regulation" as one of the functions of the National Bank of Ukraine, which is to create a system of norms governing the activities of banks, determine the general principles of banking, banking supervision, liability for violations of banking legislation. The main purpose of banking regulation is security and financial stability of the banking system, protection of the interests of depositors and creditors. The importance of state regulation of banking as an integral part of public policy is emphasized. Effective state regulation of banking activities should ensure stable and uninterrupted operation of the banking system, guarantee the provision of quality services by banks to depositors and borrowers and protect their interests. Preventive and protective measures on which the state regulation of banking activity in Ukraine is based are considered. Preventive measures should be implemented through the approval of mandatory regulations. The application of protective measures should provide protection against the already threatening situation for the bank. Attention is also paid to the forms in which state regulation of banks by the National Bank is carried out. Such forms are administrative regulation and indicative regulation.

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Green Banking and Infrastructure Project Financing for Sustainable Development

E3S Web of Conferences ◽

10.1051/e3sconf/20187310001 ◽

2018 ◽

Vol 73 ◽

pp. 10001

Author(s):

Fashli Arinal ◽

Herdiansyah Herdis ◽

A Saragi Putri

Keyword(s):

Sustainable Development ◽

Stock Price ◽

Stock Exchange ◽

Banking System ◽

Investment Funds ◽

Responsible Investment ◽

Banking Policy ◽

Formal Requirement ◽

Industrial Projects ◽

Infrastructure Project

Indonesia already has policies that pay attention to environmental aspects so that the development can keep running by maintaining the natural conditions. One of the policies that have been made is green banking. The green banking policy requires the support of stakeholders who have a role as an enforcer. This study uses a quantitative approach to measure the implementation of funds used by banks in the financing of industrial projects. The database is based on the Sustainable Equity and Responsible Investment (SRI) index -KEHATI, one of the indices that the indicator of stock price movement in Indonesia Stock Exchange (BEI), but focus on banking data practicing green banking system. The result of this study shows that the bank has a responsibility to the environmental risks of the project to be run by the company where the investment funds or lending of the bank. The green banking policy requires the support of stakeholders who have a role as an enforcer. Stakeholders in green banking are groups of people or individuals who have an essential part to achieve goals, and Sustainable development can be realized well if this policy is implemented, not just a formal requirement in following the current international trend.

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Non-banking financial intermediation and phenomena of shadow money in modern economy

Finance and Credit ◽

10.24891/fc.27.8.1694 ◽

2021 ◽

Vol 27 (8) ◽

pp. 1694-1709

Author(s):

Vladimir K. BURLACHKOV

Keyword(s):

Commercial Banks ◽

Financial Intermediation ◽

Banking System ◽

Banking Regulation ◽

Developed Countries ◽

Bank Credit ◽

Shadow Banking ◽

Economic Agents ◽

Shadow Banking System ◽

Lending Activity

Subject. The article addresses the non-banking financial intermediation (shadow banking system) as it is successfully expanding nowadays both in developed countries and emerging economics. Objectives. The study aims at conducting a comprehensive analysis of the specifics of non-banking financial intermediation, revealing its impact on economic agents’ activities, causes and consequences, and elaborating the methodological framework for effectiveness of modern monetary policy. Methods. I employ methods of scientific abstraction, induction, deduction, synthesis, and comparative analysis. Results. In the modern national economy, along with the money, created by the central bank and commercial banks, there are highly liquid financial instruments called shadow money. The scope of its application is shadow banking (financial intermediation) outside the banking system. The use of shadow money is caused by high demand for credit resources. Conclusions. The high activity of shadow banking and increased turnover of shadow money resulted from a transfer to Basel standards of banking regulation in the 1990s, which affected the lending activity of commercial banks. Under these conditions, the demand for loans provided by non-bank credit and financial institutions increased. The market of non-bank credit products was formed. However, the process of lending in the shadow banking is associated with high risks and non-stability of shadow money, widely used in this sphere.

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Deposit flows and structure in Serbia

Bankarstvo ◽

10.5937/bankarstvo2004068l ◽

2020 ◽

Vol 49 (4) ◽

pp. 68-87

Author(s):

Milena Lazić ◽

Ksenija Zorčić

Keyword(s):

Financial Crisis ◽

Global Financial Crisis ◽

Banking System ◽

Financial System ◽

Banking Regulation ◽

The Stability ◽

The Global Financial Crisis ◽

Deposit Guarantee Schemes

Having drawn attention to the existing banking regulation issues, the Global Financial Crisis also raised awareness of the importance of depositors' confidence for the stability of the financial system, and brought the role and significance of the deposit guarantee schemes to the fore. Serbian economy started experiencing its effects in Q4 2008, in parallel with the global spreading of the crisis. This paper focuses on the fluctuations in deposit levels and structure in the Serbian banking system, between 2008 and 2019. It also aims to underscore the importance and development perspectives of the Serbian deposit guarantee scheme.

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The Domestic Politics of Banking Regulation

International Organization ◽

10.1017/s0020818303572034 ◽

2003 ◽

Vol 57 (2) ◽

pp. 307-336 ◽

Cited By ~ 38

Author(s):

Frances Rosenbluth ◽

Ross Schaap

Keyword(s):

Financial Integration ◽

Domestic Politics ◽

Banking System ◽

Banking Regulation ◽

The Political ◽

Industrialized Countries ◽

Electoral Rules ◽

Political Dynamics ◽

Financial Regulatory

This article seeks to ground financial regulatory choices in domestic politics. Based on evidence from twenty-two industrialized countries, we argue that electoral rules—specifically, the extent to which they are centrifugal or centripetal—have a significant effect on whether the banks or their consumers pay for the security of the banking system. Moreover, despite the homogenizing effects of global financial integration, the political dynamics generated by these electoral rules continue to shape the nature and extent of prudential regulations that countries adopt in the place of banking cartels.

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THE IMPACT OF BASEL III ON THE RUSSIAN BANKING SYSTEM

10.31453/kdu.ru.978-5-7913-1195-5-2021-198-205 ◽

2021 ◽

Author(s):

Danila Andreevich Yakovlev ◽

Keyword(s):

Financial Stability ◽

Banking System ◽

Banking Regulation ◽

Basel Iii ◽

Entire Country ◽

The Impact ◽

Systemically Important Banks

Currently, the issue of banking regulation is one of the most urgent due to the fact that the destabilization of this area can threaten the financial stability of the entire country. The Basel Agreements use common approaches to the capital of banks in different countries, they are formulated taking into account possible risks and the presence of systemically important banks. The article analyzes the impact of the Basel III standards on the banking system and assesses the impact of these standards on the development of the banking system.

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Banking regulation and supervision: lessons from the czech republic

Prague Economic Papers ◽

10.18267/j.pep.144 ◽

1998 ◽

Vol 7 (1) ◽

Cited By ~ 2

Author(s):

Roman Matoušek

Keyword(s):

Banking Sector ◽

Banking System ◽

Present Situation ◽

Banking Regulation ◽

Banking Supervision ◽

The Czech Republic ◽

Regulation And Supervision ◽

Banking Regulation And Supervision ◽

Remarkable Progress ◽

Made In

We have concentrated on the current issues linked to the goals of banking regulation and supervision. Attention has been focused mainly on the problem of entry into and exit form the banking sector and the institutional framework banking supervision as a whole. Although we are aware that the present situation in emerging markets is far from that of standard economies, we argue that remarkable progress has been made in creating an appropriate banking system since the beginning of the 1996.

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Risks typology of the banking system economic security and methodological approaches to their assessment

SOCIAL AND ECONOMIC PHENOMENA AND PROCESSES ◽

10.20310/1819-8813-2020-15-2(109)-90-97 ◽

2020 ◽

pp. 90-97

Author(s):

Elena V. FLENOVA

Keyword(s):

Sustainable Development ◽

Methodological Approach ◽

Banking System ◽

Economic Security ◽

Capital Adequacy ◽

Threshold Values ◽

The Sustainable Development ◽

Advantages And Disadvantages ◽

Starting Point ◽

Security Indicators

The aim of the study is to identify the advantages and limitations of the system of standards used in modern Russia as threshold values of indicators of threats to the economic security of the banking system. During the study, we developed the conceptual apparatus of the theory of economic security management, determined the composition of risks of the sustainable development of the banking system and analyzed indicators of threats to its functioning. In accordance with the goal, we presented interpretation of the conceptual structures “economic security of the banking system” and “banking security”. We carried out scientific research using the gnoseological potential of the theory of economic security, the theory of credit and banking, and the theory of risk management. To solve the research problems, we used methods of economic grouping, economic comparison (comparison), abstract-logical method, etc. The use of these methods made it possible to present a typology of risks and threats to the economic security of the banking system, as well as to analyze the methodological approach adopted by the banking segment of the Russian economy to determine threshold values of economic security indicators based on the use of standards. These standards are based on the accounting of indicators of capital adequacy level and indicators of return on capital. We formulated the advantages and disadvantages of this approach taking into account the interests of owners, managers and clients of banks and non-bank credit organizations. It is necessary to develop a methodology for determining the level of risks of the sustainable development of the banking system, taking into account the increase in the level of uncertainty of environmental factors. The obtained conclusions are a starting point for further study of indicators of threats to the economic security of the banking system and justification of their thresholds.

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