Шило, Ж. С. та Shуlo, Zh. S. (2018) ПРОБЛЕМИ РОЗВИТКУ КРЕДИТНОГО РИНКУ В УМОВАХ ДЕЦЕНТРАЛІЗАЦІЇ В УКРАЇНІ. Вісник Національного університету водного господарства та природокористування (2(82)). с. 231-239.

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Анотація

У вступі розглядається сутність кредитного ринку України, його переваги та ефективність функціонування в умовах децентралізації влади. Метою роботи є визначення проблем системи управління кредитним ринком України та шляхів їх розв’язання. У статті розглянуто необхідні умови функціонування кредитного ринку, проведено аналіз кредитування за видами, наведено проблеми кредитування та шляхи їх розв’язання в умовах децентралізації. У висновках проаналізовано недоліки функціонування кредитного ринку та кредитної системи в цілому та запропоновано методи їх усунення.

Title in English

PROBLEMS OF CREDIT MARKET DEVELOPMENT IN DEСREASING CONDITIONS IN UKRAINE

English abstract

The introduction examines the essence of the Ukrainian credit market, its advantages and the effectiveness of its functioning in conditions of decentralization of power. Eminent economists engaged in studying finance and credit markets. While paying tribute to the scientific work of domestic and foreign scientists on this issue, it should be noted that there is a need for further study. The purpose of the work is to determine the problems of the Ukrainian credit market management system and the ways to solve them. The article considers the necessary conditions for the functioning of the credit market, analyzes lending by types, presents the problems of lending and the ways of their solution in the conditions of decentralization. For the effective functioning of the credit market in conditions of decentralization, a stable economic situation in the country, the availability of developed infrastructure and effective state regulation are needed that would ensure the stability of the banking system and protect investors. The conclusions analyze the shortcomings of the functioning of the credit market and the credit system as a whole, and the methods of their elimination are proposed. Proceeding from the above-stated problems of functioning of the credit market, we are offered the following ways of their solution: 1. Strengthening the leverage of the NBU’s influence on the credit market as a whole through the withdrawal of the Financial Services Commission from subordination of the government to the central bank, which has the necessary scientific and material base. 2. Creation of a credit register in Ukraine. The credit register is widely used in the world to manage credit risks and improve bank supervision and regulation. Its introduction in Ukraine will give banks more opportunities to assess potential and existing borrowers, and the regulator to identify in a timely manner the growth of credit risks at the level of individual banks and the sector as a whole.

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