Рейтингові системи оцінки фінансового стану та регулювання фінансової діяльності банків.

Анотація

At the present stage, the efficient functioning of the economy is impossible without the stable development of a banking system, that interacts with the state and the private sector. Therefore, there is a need to have transparent, objective and timely information on the banks financial condition in order to assess their financial performance and increase the efficiency of their work. The problems of banks objective assessment and regulation of its activities become particularly relevant in the conditions of increased riskiness. Most countries use the CAMELS system, the officially recognized rating system of banks, which is a ballroom and is based on a combination of accounting and expert judgment. The procedure of Ukrainian ratings is called CAMELSO and enables NBU to assess the overall state and banking system stability. The CAMELSO rating system establishes for each bank a digital rating for the seven components, a comprehensive rating is determined on the basis of rating for each of these components, and each component is evaluated on a four-point scale. Throughout the world, banks are more than businesses under state supervision and independent control. The banks regulation and supervision system functions in all countries of the world. Their purpose is uninterrupted and reliable functioning of the banking system, which would ensure the sustainable development of the economy. The need of banking regulation and state supervision is necessary due to the fact that banks perform publicly useful and necessary functions for enterprises and population They represent the largest state credit institutions. Ratings allow to make a comprehensive assessment of all aspects of banks activities. They are the main source of information for investors, the basis for formation the strategic goals and objectives for banks development. Their levels of credit and investment risk are also important during provision services to economic entities.

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