The Effect of the Financial and Economic Crisis on the Formation of the Regional Development Strategy of the Banking System of Ukraine
Journal Title: Бізнес Інформ - Year 2014, Vol 9, Issue 0
Abstract
The effect of the financial crisis on activities of banks in Ukraine is studied. Primary negative factors are presented which destabilize the work of banks at the national and regional levels, namely: a long-term gap between basic indicators in the domestic banking system, significant "dollarization" of the economy, substantial volume of foreign currency loans and consumer lending along with an insufficient volume of individual income, insufficient capitalization of banks, disproportional location of banking establishments in the territory of Ukraine, differentiation in credit and deposit interest rates at the regional level, etc. Analysis and evaluation of the effectiveness of regional banking system functioning are conducted, asymmetries and imbalances in its development are outlined, and regions with high, medium, insignificant, and low concentration of banking establishments and capital are identified. Development lines for conceptual frameworks of regional development strategies of banks are proposed which imply: analysis and reformation of the current legal and regulatory framework; development of recommendations on socioeconomic and cultural development of regions along with identification of mechanisms of attracting the potential of banking establishments to the development of local communities; determination of top-priority areas of attraction and placement of financial resources, meeting various developmental needs at the territorial level; providing of a rationale for instruments of effective functioning of regional banking systems.
Authors and Affiliations
Oksana Kopylyuk
Keywords
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