Проблеми діяльності банків на ринку кредитування в умовах фінансової нестабільності
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Файли
Дата
2018
Автори
Олійник, А.В.
Атаманова, Ю.І.
Oliinyk, A.
Atamanova, Ju.
Назва журналу
Номер ISSN
Назва тому
Видавець
Хмельницький національний університет
Анотація
У статті досліджено основні напрями розвитку банківського кредитного ринку за умов кризового стану економіки.
Розглянуто сутність поняття «проблемний кредит» та його вплив на стабільність банківського сектору. Акцентовано увагу на
класифікації проблемної кредитної заборгованості в банках. Визначено основні напрями вдосконалення діяльності банків зі
зменшення обсягів недіючих кредитів.
The purpose of the article is theoretical substantiation and analysis of the current state of the bank lending market, the study of problem aspects of bank lending and the search for ways to reduce the volume of non-performing loans in banking activities. The article analyzes the main directions of development of the bank credit market in the conditions of the crisis state of the economy. The essence of the concept "problem loan" and its influence on the stability of the banking sector is considered. The emphasis is placed on the classification of problematic credit indebtedness in banks. The basic directions of improvement of activity of banks on decrease of volumes of non-performing credits are determined. In today's conditions, in order to stabilize the financial and economic situation in the country, an efficiently functioning, reliable and developed banking system is needed that would provide lending to the real sector of the economy. The positive consequence of the radical struggle of the NBU with insider lending should be to increase the financial stability of banks, narrowing the possibilities of withdrawal of assets through controlled operations, adequate reflection of credit risks and corresponding capital requirements. Therefore, it is necessary to continue work on improving the methodology of identification and risk assessment of the transformation of assets into non-working through transactions with insiders. It is established that the causes of accumulation of non-performing loans are the economic crisis of recent years. The sharp drop in the hryvnia made foreign currency loans unsustainable both for business and for ordinary citizens. Among the reasons for the accumulation of bad debts is also insufficient supervision by the regulator over the activities of banks.
The purpose of the article is theoretical substantiation and analysis of the current state of the bank lending market, the study of problem aspects of bank lending and the search for ways to reduce the volume of non-performing loans in banking activities. The article analyzes the main directions of development of the bank credit market in the conditions of the crisis state of the economy. The essence of the concept "problem loan" and its influence on the stability of the banking sector is considered. The emphasis is placed on the classification of problematic credit indebtedness in banks. The basic directions of improvement of activity of banks on decrease of volumes of non-performing credits are determined. In today's conditions, in order to stabilize the financial and economic situation in the country, an efficiently functioning, reliable and developed banking system is needed that would provide lending to the real sector of the economy. The positive consequence of the radical struggle of the NBU with insider lending should be to increase the financial stability of banks, narrowing the possibilities of withdrawal of assets through controlled operations, adequate reflection of credit risks and corresponding capital requirements. Therefore, it is necessary to continue work on improving the methodology of identification and risk assessment of the transformation of assets into non-working through transactions with insiders. It is established that the causes of accumulation of non-performing loans are the economic crisis of recent years. The sharp drop in the hryvnia made foreign currency loans unsustainable both for business and for ordinary citizens. Among the reasons for the accumulation of bad debts is also insufficient supervision by the regulator over the activities of banks.
Опис
Ключові слова
банк, банківська система, банківський секто, кредит, проблемний кредит, недіючий кредит, bank, banking system, banking sector, credit, bad credit, inactive credit
Бібліографічний опис
Олійник, А.В. Проблеми діяльності банків на ринку кредитування в умовах фінансової нестабільності [Текст] / А. В. Олійник, Ю. І. Атаманова // Вісник Хмельницького національного університету. Економічні науки. – 2018. – №1. – С. 135-141.