Ukrainian Credit Policy: Macro- and Micro-Economic Aspects
Journal Title: Бізнес Інформ - Year 2014, Vol 4, Issue 0
Abstract
The goal of the article is generalisation of existing approaches to interpretation of the credit policy, specification of its essence and content and the study of links of the credit policy of macro- and micro-levels. The article considers and generalises main approaches to identification of the credit policy at micro- and macro-levels and offers own definitions of these notions. The article considers main instruments of realisation of the credit policy at the macro-level. It analyses influence of the interest rate policy and mandatory reserves policy upon the credit policy of banks. It shows an insufficient connection of the credit policy at macro- and micro-levels. It shows that the credit policy in general is a many-sided economic phenomenon, which, on the one hand, is a component of the economic policy of the state, and, on the other hand is an important component of the banking policy. That is why there is a need in further studies of this definition and its relation with the policy of banking institutions, and monetary and credit policy of the central bank and economic policy of the state. Another prospect of further studies in this direction is improvement of the mechanism of interaction of the credit policy of macro- and micro-levels with the aim of maximum satisfaction of interests and needs of participants of credit relations of all levels.
Authors and Affiliations
Yana Pidsosonna
Keywords
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