METHODICAL APPROACH TO THE ASSESSMENT OF THE FINANCIAL CONDITION OF THE BANKING SYSTEM

Author:

Kazaryan Oleksandra , Chernihiv National University of Technology (95 Shevchenka Str., Chernihiv, Ukraine).

Language: ukrainian

Annotation:

The article analyzes the financial condition of the banking system of Ukraine and its regulation. Identified problems and deformations in its functioning: high level of dependence of the resource base on external borrowings; rising inflation, devaluation of the hryvnia; low quality of bank assets; low level of capitalization of banks and others. It is substantiated that the combination and coordinated use of financial policy instruments, existing and promising to implement instruments of macro- and micro-prudential regulation is the basis for the formation of favorable conditions for the functioning of the banking system. A scientific and methodological approach to assessing the effectiveness of financial regulation of the banking system, which, unlike existing ones, involves the use of entropy, is implemented in three stages (selection of indicators, integrated evaluation and scale of integrated indicators) and provides for the calculation of four groups of indicators. united in an integrated indicator (intensity of credit and financial interaction in the interbank market; efficiency of the functions of the banking system; structural changes and financial imbalances in the banking system; indicators for assessing the activities of systemic banks).

Key words:

banking system; financial regulation; financial policy; financial stability

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