НЕТРАДИЦІЙНІ БАНКІВСЬКІ ПОСЛУГИ ТА ФІНАНСОВІ РИЗИКИ ПОВ’ЯЗАНІ З НИМИ: РЕАЛІЇ УКРАЇНИ, МІЖНАРОДНИЙ ДОСВІД
Journal Title: Вісник Харківського національного аграрного університету ім. В.В. Докучаєва Серія “Економічні науки” - Year 2018, Vol 1, Issue 1
Abstract
Drobotia Y.A. Non-traditional banking services and financial risks related to them: realities of Ukraine, international experience. Rigid competition between banks and other financial and credit institutions in the financial services market requires banks to expand their field of activity at all times. Since there are only a few main (basic) banking services, expansion of the scope of activities is possible only by providing non-traditional services to banking institutions that were a primarily prerogative of non-bank financial and credit intermediaries. Through the provision of these services, commercial banks «exploit the enemies», as they interfere in the «other» territory for themselves. But is it really necessary for banks to intervene? The purpose of the article is research and analysis of non-traditional banking services by identifying the advantages, disadvantages and financial risks of their implementation in the activities of commercial banks, analysis of foreign experience in providing non-traditional banking services. In particular, non-traditional banking services such as factoring, forfeiting, leasing, issuing of a bank own securities, providing consulting and information services, trust services, financial mobile supermarket, Internet banking, warranty services are analyzed. Our own classification of data services is offered by dividing it into three groups: non-traditional banking services related to property management, non-traditional banking services related the involvement of an Internet network, non-traditional banking services that involve the use of credit resources. The main advantages and financial risks that create non-traditional banking services for commercial banking institutions and their clients are investigated. The emphasis is on international experience of realization and implementing of non-traditional banking services. The results of this article will be useful to both commercial banking institutions and clients of these banking institutions. It is concluded that non-traditional banking services undoubtedly enhance the image of the banking institution, provide an opportunity to expand the range of clients and obtain additional income. For clients of a commercial bank, non-traditional banking services are an opportunity for a quick and high-quality solution of financial issues. Approaches to providing of non-traditional banking services in foreign countries provide opportunities to use world-wide experience for the implementation of these services in Ukraine. Key words: non-traditional banking services, factoring, forfeiting, leasing, issuing of a bank own securities, providing consulting and information services, trust services, financial mobile supermarket, Internet banking, warranty services are analyzed, financial risks.
Authors and Affiliations
Я. А. Дроботя
Keywords
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- EP ID EP322870
- DOI 10.31359/2312-3427-2018-1-31
- Views 95
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