LIQUIDITY OF THE BANK AND THE BANKING SYSTEM OF UKRAINE AS AN INDICATOR OF BANKING EFFICIENCY

Анотація

The article is devoted to analysis of non-operating assets of the banking system of Ukraine.The share of non-performing loans as a whole and in terms of banks by the form of ownership and type of economic activity of enterprises was analyzed.The transformation of the Ukrainian economy is reflected in the changes in the legislation in the financial sector, first of all, by the Resolutions of the National Bank of Ukraine.Experience of foreign countries, cooperation with the International Monetary Fund and other financial institutions of the world system allowed to move to a new level of risk assessment in the direction of lending to legal entities in the territory of Ukraine.Lack of a clear system of risk management, opacity of activity by borrowers, significant political pressure on the banking system between 2011 and 2014, monopoly of certain groups of banks in the banking market, lack of clear business strategies of banks became prerequisites for the emergence of a large number of non-performing loans in Ukraine.The results of the study demonstrate a significant portion of non-performance loans.These are mainly loans from state banks and banks with Russian capital.The introduction of international experience in dealing with non-working assets does not reveal concrete examples of the emergence of such assets in the territory of Ukraine.Lending to industries such as construction, trade, manufacturing and processing needs higher risk assessment approaches.Concrete examples of work to reduce the non-working portfolio are the dynamics of the problem portfolio of banks during the last year.System banks with foreign capital work more effectively to eliminate non-performing assets.Analysis of specific examples of non-working assets is the next chain in the disclosure of non-performing loans by those.State regulation of competition with imported producers, reduction of tax burden on enterprises, introduction of state projects to maintain the performance of producers should be the first key to reducing the problem debt of banks.Expansion of the powers of banks to manage enterprises in case of borrowing in the structure of the balance sheet by more than 50% should also be considered and legalized.

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