scholarly journals LIQUIDITY OF THE BANKING SYSTEM OF UKRAINE: MODERN STATE AND STRATEGIC REFERENCE POINTS OF MANAGEMENT

2017 ◽  
pp. 170-179 ◽  
Author(s):  
Vitalii Rudan
Keyword(s):  
Interest Rates ◽  
Economic Crisis ◽  
System Analysis ◽  
Banking System ◽  
Integrated Approach ◽  
The State ◽  
Reference Points ◽  
Liquidity Management ◽  
National Bank ◽  
Negative Factors

Introduction. The article deals with the approaches for the determination of the state of liquidity of the banking system of Ukraine after the change of the monetary regime. The main negative factors that influence the dynamics of liquidity of the domestic banking system are determined. Recommendations for improving the efficiency of banking liquidity management are proposed. They are determined with consideration of strategic guidelines for the development of the banking system of Ukraine. Purpose. The article aims to substantiate the integrated approach to assessing the current state of liquidity of the banking system and to identify problems and strategic guidelines for improving the efficiency of liquidity management and functioning of the banking system of Ukraine. Method (methodology). In this research we have used the following methods: system analysis methods (to evaluate the effectiveness of approaches to assessing the state of liquidity of the banking system of Ukraine); methods of analogy and comparison (to study the liquidity management of the banking system of Ukraine during the financial and economic crisis of 2008-2009 and the economic crisis in 2014-2017); statistical methods (to analyse the dynamics of liquidity indicators of the banking system and monetary indicators of the National Bank of Ukraine, the Federal Reserve System of the USA and the European Central Bank). Results. On the basis of a comprehensive analysis of the approaches to assessing the liquidity of the Ukrainian banking system, which is used by the National Bank of Ukraine, we have found a mistake in the approach. This mistake is based on the assessment of the net liquidity position of the banking system. The influence of negative factors on the liquidity of the banking system of Ukraine has been assessed with the help of correlation and regression analysis. Four strategic guidelines for increasing the efficiency of management of bank liquidity have been proposed. Among them we distinguish the reduction of interest rates for active and passive operations which can be provided in the conditions of creation of a broad corridor between overnight refinancing rates and overnight deposit certificates; the introduction of long-term targeted refinancing for state development programs; the improvement of the mechanism of compulsory redundancy; the improvement of the activity of state banks and the creation of development banks.

scholarly journals LENDING TO THE ECONOMY OF UKRAINE: CURRENT SITUATION AND DIRECTIONS OF INCENTIVES

2021 ◽  
Vol 26 (3(88)) ◽  
Author(s):  
Pavlo Ilchuk ◽  
Olha Kots ◽  
Alla Karda
Keyword(s):  
Interest Rates ◽  
Negative Impact ◽  
Banking System ◽  
State Level ◽  
The State ◽  
Investment Projects ◽  
Current State ◽  
National Bank ◽  
Strategic Goals ◽  
Business Entities

Stimulating lending to the economy today is one of the priorities of the National Bank of Ukraine. It will help to bring the economy out of stagnation, ensure GDP growth and increase welfare in the country. The article examines the current state of lending to the economy of Ukraine. A review of the scientific literature focuses on analyzing the proposals of scientists to stimulate lending. During the research, the structure and dynamics of the loan portfolio of Ukrainian banks for 2013–2021 were analyzed and the main reasons for the changes were identified. In Ukraine, the largest share of loans falls on business entities and in 2021 it is 78.04%. In 2016 this share was equal to 82.26%. The dynamics of lending to business entities largely depends on the efficiency of their activities, which is why detailed attention is focused on analyzing the efficiency of enterprises and the share of non-performing loans, which allowed identifying the cyclical nature of these processes. Currently, the problem of unprofitable enterprises is not the only obstacle to the full development of lending, a large proportion of non-performing loans also has a negative impact. Detailed attention was focused on the interest rates dynamics analysis and it was found that for loans to business entities there was a constant decrease in interest rates on all types of loans in accordance with their terms. In order to stimulate lending to the economy, it is necessary to reduce all interest rates, not just interest rates on loans to business entities, as lending to individuals also contributes to economic growth. The main directions of stimulating lending to Ukraine’s economy have also been formed, which, first of all, should take place at the state level through the implementation of monetary policy aimed at keeping inflation within the target, ensuring transparency of the banking system and its regulation, state participation in large investment projects, reducing the tax burden provided that the business entities which implement innovative projects aimed at achieving strategic goals of the state, such as greening and digitalization of public life and business.

STATE REGULATION OF BANKING ACTIVITY IN UKRAINE

2017 ◽  
Author(s):  
Olha Drachevska
Keyword(s):  
Financial Stability ◽  
Banking System ◽  
Banking Regulation ◽  
State Regulation ◽  
The State ◽  
Protective Measures ◽  
System Protection ◽  
Banking Activity ◽  
National Bank ◽  
Threatening Situation

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.

scholarly journals Analisis Peran Negara Di Bidang Ekonomi Dalam Prespektif Sistem Kapitalisme, Sosialisme, Dan Ekonomi Islam

2016 ◽  
Vol 1 (1) ◽  
Author(s):  
Muhammad Kambali
Keyword(s):  
Interest Rates ◽  
Conceptual Framework ◽  
Economic System ◽  
Economic Crisis ◽  
The State ◽  
Planning System ◽  
Role Of The State ◽  
The World ◽  
Low Interest Rates

The economic crisis that convolved the world economy a few years ago is the result of a series of government policies in the economic field. Starting from the Subprime Mortgage in America, the crisis eventually spreads across all sectors of the economy. As analysts say that the explosion of the current economic crisis is caused by the trend of low interest rates that are applied by the Fed. The trend of low interest rates will give rise to expectation of market to future economic situation. It is characterized by the overflow of capital expansion in all sectors, especially in property sector. Today, along with the growing mobility of capital from one country to another as part of unavoidable economic liberalization, mobility of capital, on the one hand, has spawned some of the imbalances in the life of a State. The powerlessness can not be separated from economic ideology and system on state role in the economy. Capitalism with its laissez faire brings the concept of state minimal role in the economy. In the empirical facts, it is broken by the crisis situation in 1930 and today's financial crisis. Socialism tends to carry the central role of the State in the economy through the centralistic planning system. The fall of the Soviet Union in the 1980s brought the world to a choice whether reconstructing capitalism or socialism as Fukuyama and Gidden said. On the other hand, as the new system, the economic system of Islam brings the concept of the role of the State in the economy on the basis of universal values of Islam, such as justice in the economy which is reflected in the mechanism of the prohibition of riba (usury), just income distribution and redistribution of income through zakat and social security. This article is an exposure of the State's role in the economy which is studied through the perspective of today’s economic system. The systems are capitalism, socialism, and Islam. The article not only explores conceptual framework, but also also contains an empirical framework mapping and how the conceptual framework is operated. At the end, from the two mapping (conceptual and empirical), author draws a reflection of how the State should play a role in the economic field. Keywords: Capitalism, Socialism, Islam, Economic Role of State

Analisis Peran Negara Di Bidang Ekonomi Dalam Prespektif Sistem Kapitalisme, Sosialisme, Dan Ekonomi Islam

2016 ◽  
Vol 1 (1) ◽  
pp. 16-35
Author(s):  
Muhammad Kambali
Keyword(s):  
Interest Rates ◽  
Conceptual Framework ◽  
Economic System ◽  
Economic Crisis ◽  
The State ◽  
Planning System ◽  
Role Of The State ◽  
The World ◽  
Low Interest Rates

The economic crisis that convolved the world economy a few years ago is the result of a series of government policies in the economic field. Starting from the Subprime Mortgage in America, the crisis eventually spreads across all sectors of the economy. As analysts say that the explosion of the current economic crisis is caused by the trend of low interest rates that are applied by the Fed. The trend of low interest rates will give rise to expectation of market to future economic situation. It is characterized by the overflow of capital expansion in all sectors, especially in property sector. Today, along with the growing mobility of capital from one country to another as part of unavoidable economic liberalization, mobility of capital, on the one hand, has spawned some of the imbalances in the life of a State. The powerlessness can not be separated from economic ideology and system on state role in the economy. Capitalism with its laissez faire brings the concept of state minimal role in the economy. In the empirical facts, it is broken by the crisis situation in 1930 and today's financial crisis. Socialism tends to carry the central role of the State in the economy through the centralistic planning system. The fall of the Soviet Union in the 1980s brought the world to a choice whether reconstructing capitalism or socialism as Fukuyama and Gidden said. On the other hand, as the new system, the economic system of Islam brings the concept of the role of the State in the economy on the basis of universal values ​​of Islam, such as justice in the economy which is reflected in the mechanism of the prohibition of riba (usury), just income distribution and redistribution of income through zakat and social security. This article is an exposure of the State's role in the economy which is studied through the perspective of today’s economic system. The systems are capitalism, socialism, and Islam. The article not only explores conceptual framework, but also also contains an empirical framework mapping and how the conceptual framework is operated. At the end, from the two mapping (conceptual and empirical), author draws a reflection of how the State should play a role in the economic field.

The state and development problems of the banking sector of the Republic of Dagestan

2021 ◽  
Vol 27 (5) ◽  
pp. 1043-1057
Author(s):  
Naida Yu. MAGOMEDOVA ◽  
Patimat G. ISAEVА
Keyword(s):  
Empirical Analysis ◽  
Banking Sector ◽  
Banking System ◽  
The State ◽  
Tabular Method ◽  
National Bank ◽  
The Republic

Subject. This article explores the functioning of the regional banking sector of the Republic of Dagestan in the current conditions. Objectives. By studying the state and identifying problems, the article aims to determine the trends in the banking sector of the Republic of Dagestan in the context of the crisis economy of the region. Methods. For the study, we used an empirical analysis, comparison, and the tabular method to present data. Results. Analysis of the state of and changes in the banking sector of the Republic of Dagestan shows that the number of credit organizations in the region has significantly decreased. This is due to trends such as the consolidation of banks and the consolidation of the banking system as a whole. Relevance. The results of the study can be used by the Bank of Russia's Branch, the National Bank for the Republic of Dagestan, to develop the concept of Main Trends in the Economy and Monetary Sphere of the Republic of Dagestan in the following years.

scholarly journals ANALYSIS OF THE STATE OF CREDITING OF SMALL AND MEDIUM BUSINESS BY BANKING INSTITUTIONS OF UKRAINE IN THE CONDITION OF THE COVID-19 PANDEMIC

2021 ◽  
Vol 298 (5 Part 1) ◽  
pp. 42-46
Author(s):  
KATERINA LARIONOVA ◽  
V. TANASIENKO ◽  
Keyword(s):  
Interest Rates ◽  
Negative Impact ◽  
Small And Medium Enterprises ◽  
Banking System ◽  
Bank Lending ◽  
The State ◽  
Current Crisis ◽  
Leading Position ◽  
Banking Institutions ◽  
Medium Enterprises

Access to financial resources, especially through bank lending, is an important factor in the development of small and medium-sized businesses. SMEs need such lending due to lack of own funds, income instability, accelerated movement of working capital, locality of resources and narrow markets. Bank credit occupies a leading position in the formation of financial and investment mechanism for SME development. In the current crisis caused by the coronavirus, banks must ensure maximum access of small and medium-sized businesses to credit resources. With the stabilization of the financial situation and the reduction of interest rates to the level of profitability of SMEs, banks’ interest in their lending will be accompanied by increasing competition in this area of banking business development. The article analyzes the state of lending to small and medium-sized businesses by banking institutions of Ukraine in the context of the coronavirus pandemic Covid-19. It is established that during 2018-2020 there was a declining trend in the bank lending to small and medium-sized businesses due to the negative impact of the pandemic on the activities of small and medium enterprises. The rating of the best conditions for lending to small and medium enterprises by Ukrainian banks in 2021 is analyzed and bank lending programs are considered. It is noted that as a result of the introduction of quarantine in 2020 and other restrictive anti-epidemic measures to prevent the spread of coronavirus, the banking system has changed somewhat. The amount of government assistance to small and medium-sized businesses in a pandemic and the features of the state program of business support “Affordable loans 5-7-9%” are considered.

scholarly journals CONVENTIONAL AND UNCONVENTIONAL MONETARY POLICY. THE CASE OF ROMANIA

2016 ◽  
Author(s):  
Ioana Plescau
Keyword(s):  
Monetary Policy ◽  
Financial Crisis ◽  
Credit Risk ◽  
Interest Rates ◽  
Banking System ◽  
Central Banks ◽  
Unconventional Monetary Policy ◽  
National Bank ◽  
Recent Financial Crisis ◽  
The Relationship

The aim of our paper is to analyze the conventional and unconventional monetary policy in Romania, in the context of the recent financial crisis. We study the relationship between interest rates and credit risk, but also the non-standard monetary measures that were adopted by the National Bank of Romania and their impact on the banking system. Our results point to a decrease of interest rates in the years after the crisis, which is in line with the majority of central banks that have reduced monetary rates in order to sustain the economy and the credit activity.

scholarly journals STRUCTURAL AND LOGICAL SCHEME OF STATE REGULATION OF THE BANKING SYSTEM OF UKRAINE

2020 ◽  
pp. 93-103
Author(s):  
Ie. Mordan ◽  
Iu. Onopriienko
Keyword(s):  
Methodological Approach ◽  
Banking System ◽  
State Regulation ◽  
The State ◽  
Planning Period ◽  
Logical Model ◽  
Logical Scheme ◽  
Internal Factors ◽  
National Bank ◽  
Second Tier

The article develops a scientific and methodological approach to the formation of the state regulation of the banking system on the basis of a structural-logical model, in which the banking system is considered as an object of state regulation, with the allocation of micro-levels and macro-levels. It is substantiated that the state regulation of the banking system should be based on the results of the forecast analysis by which the National Bank of Ukraine investigates the state of the objects of regulation, external to the banking system and internal factors, identifies key threats and risks for reaching the target parameters of the banking system on micro - and macro levels. The theoretical provisions of the Concept and Strategy of the State Regulation of the Banking System have been formed on the basis of the development of the forecast component and the inclusion of blocks of scenario analysis and planning with the obligatory presence of several scenarios of the development of the banking system, developed as a result of its forecast analysis. It is emphasized that special attention should be paid to the aggregation and description of relevant variations of the future state of the banking system, which do not duplicate each other, according to which all other elements of this programming document are determined for the planning period. It is substantiated that the instruments of regulatory influence of DRBS should be divided according to their functional purpose into strategic (affect the systemic properties of the banking system) and operational (affect the behavior of second-tier banks, ensuring their functioning in the desired state with adaptability to the environment of the regulatory environment). It is emphasized that control and monitoring at all stages of the banking system is developed in the framework of the developed structural and logical model.

scholarly journals THE MIGRATION APPROACH TO THE ASSESSMENT OF TRENDS IN THE REGULATION OF THE PROCESS OF ATTRACTING WORKING-AGE FOREIGN POPULATION IN THE TERRITORY OF THE REGION TAKING INTO ACCOUNT THE SOCIO-ECONOMIC SITUATION AND SELECTED TARGET PRIORITIES OF DEVELOPMENT OF TERRITORIES

2020 ◽  
pp. 107-116
Author(s):  
Дарья Викторовна Гризовская ◽  
Галина Константиновна Лапушинская
Keyword(s):  
Russian Federation ◽  
System Analysis ◽  
Migration Policy ◽  
Integrated Approach ◽  
The State ◽  
Economic Situation ◽  
Industrial Transformation ◽  
Labor Migrants ◽  
Stage Of Development ◽  
The Russian Federation

В статье объектом исследования являются миграционные процессы и инструменты их регулирования. Предмет исследования связан с тем, что в исследованиях миграционных потоков часто не учитывается сложность и комплексность этих социально-экономических процессов, требующих социологических, исторических, демографических и других подходов к их анализу. Кроме того, исследования осуществляются без учета различий в целевых ориентациях субъектов, вовлеченных в миграционное регулирование, что принципиально, по мнению авторов, для принятия управленческих решений в миграционной сфере. Государство, субъекты Федерации, промышленные компании, ориентированные на привлечение трудовых мигрантов, иностранных работников и жителей территории (автохтонов), имеют различные, в большинстве случаев противоречивые побуждающие миграционные мотивы. Поэтому целью исследования является выработка комплексного, целеориентированного подхода к анализу возможного инструментария миграционного регулирования (миграционной политики) РФ на основе оценки существующей мировой практики. Инструментально-методический аппарат исследования базируется на комплексном подходе, в рамках которого уточнено понятие миграции как объективного фактора, обеспечивающего развитие региональной экономики. Авторы исходят из того, что миграция представляет собой целеориентированный процесс, заключающийся во въезде в страну иностранных граждан, основными мотивами которых являются определенные целевые установки по пребыванию ими на избранной территории, и оказывающий положительное (возможности развития) или негативное (усиление рисков) влияние на условия экономического развития региона. Научная новизна исследования представлена разработкой предложений по совершенствованию инструментов регулирования процессов привлечения иностранных кадров для Тверской области и допускающих их использование в субъектах РФ, исходя из ориентации действий на специализацию и выбранные целевые приоритеты развития территорий. The current stage of development of society and the state is characterized by a change in the role of the migration factor in the socio-economic development of territories. Given the decline in the share of the able-bodied population, a large share of low-skilled labor, and the need to implement national projects aimed at changing the demographic background of the state, which are primarily expressed in stimulating the birth rate growth, the Russian Federation is faced with the task of attracting labor migrants capable of supporting the industrial transformation of the Russian economy. In this regard, migration processes and tools for their regulation are becoming an important object of research. This does not take into account the complexity of socio-economic processes and emerging sociological, historical, demographic and other approaches to the analysis of migration processes, often inconsistent with each other. In addition, studies are carried out without taking into account differences in the target orientations of the subjects involved in migration regulation, which is a necessary element in making managerial decisions in the migration sphere, as the state, constituent entities of the Federation, and industrial companies focused on attracting labor migrants, foreign workers, and residents of the territory (autochthon) have various, in most cases, contradictory motivational migration motives. As a result, a study aimed at finding an integrated, goal-oriented approach to the analysis of possible tools of migration regulation (migration policy) of the Russian Federation based on an assessment of existing world practice seems to be most relevant. The instrumental and methodical apparatus of the study is based on an integrated approach, within which migration is considered as a goal-oriented process that has characteristic components and is influenced by objective and personalized factors that depend on the conditions of the socio-economic situation in the development of the territory, and also combines various methods of scientific knowledge: system analysis, comparative, economic and statistical, grouping, benchmarking, etc. In the course of this study were developed us suggestions to improve the regulation of migration processes in the Russian regions, based on the orientation of the action on the selected specialization and targeted development priorities of the territories.

scholarly journals HUMAN CAPITAL AS A KEY FACTOR IN THE DEVELOPMENT OF UNIVERSITY INNOVATION

Management ◽  
2021 ◽  
Vol 33 (1) ◽  
pp. 52-60
Author(s):  
Roman Kozhushko
Keyword(s):  
Human Capital ◽  
System Analysis ◽  
Social Institutions ◽  
Integrated Approach ◽  
The State ◽  
Human Capital Development ◽  
Human Thinking ◽  
Main Component ◽  
Capital Development ◽  
The University

BACKGROUND AND OBJECTIVES. The transition to a digital economy as a vector for the development of multiple social institutions is forced to shift towards multi-dimensional integration. As a consequence, for a modern university, innovative activities are no less important than educational ones. At the same time, the key resource in the process of generating innovative solutions is the human resource. The multidisciplinary orientation of universities allows combining specialists with unique competencies in a single environment, complementing each other and allowing to achieve a synergistic result, and since innovation invariably implies generation of a certain innovation, it is this property of a university that allows us to talk about the presence of a unique innovative potential – human capitalMETHODS. The article uses methods of system analysis, scientific analogy and abstraction – to study the category "human capital"; methods of grouping and systematisation – when systemising the main classification features of human capital and factors of influence on its development with account of globalisation trends; statistical analysis – to assess the state of development of human capital at university; indicative methods – when diagnosing human capital development in globalisation conditions; graphic methods – to visualise.FINDINGS. The following categories were defined: 1) "human capital" as a complex category, the main component of which is the development of non-standard human thinking, capable of self-organization, renewal, self-perfection and acts as an intellectual, creative factor and a key resource in building a socio-innovative model of economic development; 2) "innovative human capital of the university in conditions of globalization" which is viewed from an integrated approach, with the main emphasis on self-perfection, self-actualization of the human capital of the university; 3) "innovation human capital of the university" which is viewed from an integrated approach.CONCLUSION. The development of human capital as the main condition for the formation of the structure of economy of innovative type, based on information and intellectual production technologies, causes the need to reform and improve the systemic state policy, focused on providing the basic conditions for comprehensive human development. It is the active impact of the state in complex economic conditions to increase the efficiency of human capital development both at the macro level (economy as a whole) and at the micro level (university) that will improve the economic situation in the country and enhance the competitiveness of the national economy in the global world.

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