DSpace Collection: Світ фінансів Випуск 3 2016 рік
http://dspace.wunu.edu.ua/handle/316497/7044
Світ фінансів Випуск 3 2016 рік2024-03-28T21:21:45ZМеханізм адаптації банківської системи до фінансово-економічного простору
http://dspace.wunu.edu.ua/handle/316497/7453
Title: Механізм адаптації банківської системи до фінансово-економічного простору
Authors: Олефір, Євгенія; Olefir, Yevheniia
Abstract: Розкрито сутність дефініції “механізм адаптації банківської системи” до особливостей фінансово-економічного простору, презентовано власне бачення сутності поняття “фінансово-економічний простір”, його основних складових. Показано взаємозв’язок
між системою адаптації та механізмом. Визначено основні компоненти, що належать
до системи адаптації банківської системи. Побудовано механізм адаптації банківської
системи з розмежуванням тих методів та способів, які найдоцільніше використовувати за певного стану економіки та фінансових ринків (піднесення/спад). Introduction. As we know, today the banking system is in crisis state. In order for develop
effective measures of adaptation with purpose improving its competitiveness at international level
we have to take into account the close relationship between banking system and economy of the
country, the state of financial markets. Thus, the study of processes of adaptation should be in the
financial-economic space in which arise recessions, crises and occur processes of growth. Purpose. In this connection the purpose of the article is the development of theoretical and
methodological aspects of building a mechanism of adaptation of the banking system with allocation those methods and ways that are most appropriate for a particular state of the economy
and financial markets.
Results. The main feature of building a mechanism of adaptation of the banking system
is the consideration of financial-economic space features in which the system is functioning. In
the article revealed the essence of the concepts of “the mechanism of adaptation of the banking
system” and “financial-economic space”, determined the main components of this space and
its general peculiarities and specific features. Substantiated expediency of construction of the
mechanism of adaptation to the features of space (recession / growth).
Thus, in the result of research it was determined that the mechanism of adaptation of the
banking system is realized continuously: during the recession we use one of instruments and
methods, and during the rise – other. Also determined relationship between the system of adaptation and mechanism, which consists in the fact that happens influence of principles, functions,
forms and appropriate ways of adaptation on action of mechanism. At the same time, leverage,
ensuring and methods affect on the formation of the system of adaptation.While building a mechanism of adaptation to the features the financial-economic space we
determined that during economic recession most often are realized methods of dissipation and
localization, during economic rise – method of active intervention. Methods of reaction, avoidance and ignoring can be used under different conditions. The most widespread instruments,
which can be use at any state of the economy, are instruments of parametric form of adaptation,
during the economic recession – instruments of the structural and functional forms of adaptation. In crisis periods are mainly are realized instruments of mixed form of the adaptation.
Conclusion. Our studies are important for the banks and the central bank, because selection
of the appropriate form and way of adaptation, taking into account their capacity and leverage can
ensure “survival” and support functioning during the economic recession and provide development during economic recovery. The practical application of the mechanism of adaptation on the
example of the national banking system will be considered in details in following research.2016-01-01T00:00:00ZФінансово-кредитні важелі розвитку туристично-рекреаційної сфери Закарпаття в умовах трансформації місцевого самоврядування
http://dspace.wunu.edu.ua/handle/316497/7451
Title: Фінансово-кредитні важелі розвитку туристично-рекреаційної сфери Закарпаття в умовах трансформації місцевого самоврядування
Authors: Луців, Богдан; Рипкович, Марія; Lutsiv, Bohdan; Rypkovych, Mariia
Abstract: Обґрунтовано важливість застосування фінансово-кредитних важелів для розвитку туристично-рекреаційної сфери. Проаналізовано динаміку туристичних потоків в
Україні і Закарпатській області. Визначено проблеми і чинники низької ефективності
використання туристично-рекреаційного потенціалу в гірських районах Закарпаття.
Розглянуто нові методи та інструменти фінансового характеру у системі регулювання розвитком туристично-рекреаційного регіону. Introduction. It is noted that the effective functioning of the tourism and recreation sector
is largely dependent on the existing financial capacity to ensure its economic development determined by the criteria of sufficiency of financial resources. It is substantiated the importance of applying financial and credit levers for the development of the tourism and recreational sphere,
which will generate the necessary funds for the modernization of material and technical base.
Purpose. The purpose and objectives of this research are formulated to improve the impact
of the financial and credit levers in the current system of financial and credit mechanism for tourism and recreation industry development of the region in the current modernization processes of the Ukrainian economy. Results. The dynamics of tourist flows in Ukraine and in Transcarpathian region in the postcrisis period is analyzed. It is revealed that under the current dynamics of the tourist flows reduc-
tion in the Transcarpathian region for inbound domestic and outbound tourism, it is necessary
to develop a strategy for improving organizational and management mechanism, improve the
efficiency of tourism and recreational enterprises and develop conceptual approaches to the use
of financial and credit levers of influence on the development of tourist recreational sphere. The
problems and factors of low efficiency of the tourism potential in the mountain areas of Transcarpathia are defined. It is emphasized that among the real sources of investment income to the development of tourist and recreational potential of mountainous areas of western regions of Ukraine
a leading place is occupied by the means of Ukrainian labour migrants. For the introduction of
new methods, techniques and tools in the system of regulation of the tourist and recreational complex development in the region, it is highlighted the following methods of a financial nature such
as reengineering, revenue management of tourist and recreational enterprises and optimization
of the capital structure of such enterprises. It is noted that under the current situation of decentralization and local government transformation, the introduction of new financial mechanisms is
updated to raise funds for the development of tourism and recreation industry at the regional level.
Conclusion. To enhance the action of financial-credit and tax aspects of the direction of
market regulation, and the development of tourism and recreation, it is suggested to make
greater use of financial and credit levers as the introduction of micro-credit, preferential crediting
of subjects of recreational and tourism business, government subsidies and leasing. It is proved
that improve the efficiency of recreational, resort and tourism sector facilities in the region it is
necessary to activate the mechanism of regional budgeting of sanatorium activity and to put to
a greater use participatory budgeting.2016-01-01T00:00:00ZСоціально-економічна орієнтація валютно-курсової політики України: плаваючий валютний курс, офіційна доларизація чи валютна рада
http://dspace.wunu.edu.ua/handle/316497/7450
Title: Соціально-економічна орієнтація валютно-курсової політики України: плаваючий валютний курс, офіційна доларизація чи валютна рада
Authors: Савельєв, Євген; Куриляк, Віталіна; Saveliev, Yevhen; Kuryliak, Vitalina
Abstract: Досліджена проблема вибору режиму валютного курсу України з орієнтацією на пріоритетне вирішення завдань зростання рівня життя населення. Аргументовано, що
в умовах нинішнього стану соціально-економічного розвитку країни можна підняти добробут населення до середньоєвропейських показників лише на основі запровадження
ефективного валютного режиму. Обґрунтовано необхідність перегляду валютно-курсової політики у напрямку ревальвації гривні. Introduction. The problem of choosing the exchange rate regime in Ukraine by giving priority to socio-economic standard of living is examined. The essence of the concept is that the
monetary policy should form the basis to solve the issue of welfare and approach it to the average European indicators. Ukraine now occupies the last places in Europe on the amount of the average salary (173 euros) and retiring pensions (63 euros). Besides, hryvnia is considered to
be one of the most undervalued currencies in the world.
Purpose. Taking into account all the above-mentioned, the exchange rate policy, which is
based on the current regime of a floating hryvnia, should be revised. This leads to a long-term
poverty that will hinder an economic and social development and postpone the euro-integration
plans of Ukraine for an indefinite period. Mechanism of overcoming the economic crisis and the
crisis of welfare should be based on the use of the exchange rate mechanism.
Results. For this, we have to revalue the hryvnia exchange rate in order to bring in a relatively
short period the amount of salaries and pensions in the currencies of developed countries to the
indicators that Ukraine had in the year when Russia started aggression and the beginning of the
antiterrorist operation. Later it will keep growing as the result of the economy development. Conclusion. Considering the exchange rate regimes, including official dollarization and
currency board, there is feasibility in formation of the exchange rate policy based on the latest
model. Since the currency rate is derived from the value of the balance of payments, thus the
fulfillment of this minimum-task can be real only through a financial recovery as well as the
use of reserves that “lie on the surface”. Most of them are already or become well-known. This
is the deficit financing through the issuance of bonds; legalization of economy; deoffshorization; radical increase of import substitution; curbing of capital flight processes; increase of
transparency in the banking sector; prevention of concealment of currency proceeds abroad;
extension of use of the national currency in domestic circulation of money; a special regime
of exchange relations with “law-abiding companies”; involvement in the banking sector currency that is in hands of population; spread of international currency swaps practice; the use
of unconventional monetary policy by the National bank to repurchase of securities and debt
obligations.2016-01-01T00:00:00ZМоделювання ієрархії загроз ефективному розвитку системи комерційного страхування
http://dspace.wunu.edu.ua/handle/316497/7449
Title: Моделювання ієрархії загроз ефективному розвитку системи комерційного страхування
Authors: Позднякова, Людмила; Мамонова, Ганна; Pozdnіakova, Liudmyla; Mamonova, Anna
Abstract: Розкрито сутність та введено у термінологічний обіг поняття “страхова система”, визначено її поелементне структурування. Виокремлено основні ендогенні та екзогенні загрози для ефективного розвитку системи комерційного страхування. Для систематизації виявлених загроз використано математичний метод моделювання, який
дав змогу визначити ті загрози, які мають найсуттєвіший вплив на розвиток системи
комерційного страхування. Надані практичні рекомендації щодо елімінації або палаталізації основних загроз для розвитку системи комерційного страхування. Introduction. The development of the national insurance system is accompanied by internal and external threats that require identification. Building a hierarchy of threats to the
insurance system will develop a set of measures for their removal or mitigation.
Purpose. The article is a hierarchy threats commercial insurance and the development of
practical recommendations for their elimination or alleviation.Methods. Hierarchy threats to commercial insurance system built by the method of system analysis and graph theory.
Results. Analysis and synthesis of scientific results to determine the nature and content
of the insurance system, terminological allowed entering in turn improved the definition of the
term. Thesis there is determined basic structural elements of the insurance system, namely
commercial insurance system and social insurance system. Investigated and systematized
the threat of development of commercial insurance. The model hierarchy threats of commercial insurance singled out the priorities for their elimination or mitigation by the method of
system analysis and graph theory.
Conclusions. Modeling hierarchy of threats to the system of commercial insurance led
to the conclusion that the effective development of commercial insurance largely depends on
the model of state regulation of the insurance market, its systematic and consistent reform.2016-01-01T00:00:00Z