Institutional problems of economy and risk of development of the credit market of Ukraine
Journal Title: Економічний вісник університету - Year 2018, Vol 1, Issue 36
Abstract
The subject of the research is the influence of the institutional problems of the economy on the development of the credit market of Ukraine. The purpose of the study is to identify macroeconomic problems and risks that affect the development of the credit market and to develop recommendations for improving institutional support for the development of the credit market. Methods of research - researches are based on the application of general scientific and economic-mathematical methods. Results of work. The article deals with the institutional problems of the economy, connected with excessive inflation, servicing domestic and external debt, an unstable political situation, high interest rates, which create high risks for the development of the credit market. In particular, they increase the number of problematic and expensive loans, which reduces the investment attractiveness of Ukraine's economy. Improving the situation in this segment of the banking services market, the author sees in the acceleration of the adoption of the bill, which provides for the creation and maintenance of a credit register of the NBU. This will reduce the probability of lending to unscrupulous borrowers and reduce the number of bad loans in the future. The field of results utilization. The obtained results contribute to the improvement of the institutional environment for the development of the banking services market and are intended for use by the NBU and banks to address lending problems. Conclusions. It is established that risks in the development of the credit market are connected with the institutional problems of the development of the Ukrainian economy at the present stage. It is substantiated that overcoming of risks requires the introduction of new anti-crisis instruments for the development of the credit market, changes in the institutional and legal support and strengthening of coordination of monetary policy of the NBU.
Authors and Affiliations
Yulia Macelukh
Keywords
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