ASSESSMENT OF THE FINANCIAL STABILITY OF THE BANKING SYSTEM ON THE BASIS OF INDICATORS AND ECONOMIC STANDARDS OF THE NBU AS INSTRUMENTS OF MONETARY REGULATION

Keywords: banking system, indicators of financial stability, monetary regulation

Abstract

The article is devoted to the analysis of the main indicative indicators of the banking system of Ukraine in order to assess its financial stability for the purpose of monetary regulation. The tools of regulation of banking activity through financial indicators, economy, norms of the National Bank of Ukraine are characterized. The banking system of each state, regardless of its economic model and organization of public relations, plays a leading role in ensuring the movement of cash flows. The conclusion on expediency is formed implementation of a system of financial stability indicators, which cover all aspects and allow to assess the state of the subsystems included in the strategic set of the mechanism of strategic management of the financial stability of the banking system. It was found that the banking system of Ukraine is currently in crisis. Overcoming the crisis is possible only if the economy as a whole stabilizes. Banks manage to maintain their liquidity only because they place their assets in primary and secondary reserves (cash, current accounts with the NBU), because they do not risk investing them in high-yield assets. The instability of national economies, the uneven economic development of individual countries, which are exacerbated by speculative operations of banks, lead to national banking crises and are the result of global financial shocks. The conclusion on expediency is formed implementation of a system of indicators of financial stability, which cover all aspects and allow to assess the state of the subsystems included in the strategic set of the mechanism of strategic management of financial stability of the banking system. The monitoring and analysis of financial indicators of financial stability of banks is analyzed, which allowed to draw conclusions about the existing indicators and the probability of deviations in the development of the banking system, to develop proposals for the use of management tools in the banking sector. Conclusions have been drawn about the inefficient activities of commercial banks, as a result of which banks suffer losses and the capital of banks is reduced and the tendency to deteriorate their financial stability and efficiency continues.

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Published
2021-02-23
How to Cite
Lintur, I., & Demchyk, S. (2021). ASSESSMENT OF THE FINANCIAL STABILITY OF THE BANKING SYSTEM ON THE BASIS OF INDICATORS AND ECONOMIC STANDARDS OF THE NBU AS INSTRUMENTS OF MONETARY REGULATION. Economy and Society, (24). https://doi.org/10.32782/2524-0072/2021-24-46
Section
FINANCE, BANKING AND INSURANCE