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Документ

Administration of non-state pension funds: domestic and foreign experience

(KNUTE, 2020) Ratushnyak Denys

Ensuring the well-being of people of retirement age is a necessary prerequisite for the formation of Ukraine as a welfare state. Fulfillment of this task along with ensuring the interests of the whole society is impossible without further reform of the domestic pension system. Today in Ukraine the pension system is in the process of transformation. The current pension system during the transition to a market economy has failed to provide sufficient benefits to retirees using a one-tier model of state pension insurance. This is evidenced by such factors as: increasing demographic burden; the inability of the traditional solidarity system, based on the principle of redistribution, to provide the necessary financial resources for the payment of decent pensions; social injustice of the existing system; low replacement rate, ie the ratio of pension to salary. Building a pension system that meets the requirements of a market economy is one of the most important tasks to be solved in the social sphere of the country.

Документ

Competitive strategies for the development of financial institutions (except banks)

(KNUTE, 2020) Lenchenko Maksym

The relevance of the topic is that the number of non-banking financial institutions in the country grows and accordingly requires regulation of non-banking financial market and legislative changes in the direction of regulatory environment approximation to international standards. Currently, Ukraine provides for a comprehensive settlement of relations on the market, which involves the implementation of international standards IAIS, IOPS та IOSCO, as well as the requirements of EU acts, the issue of the procedure for withdrawal of insolvent non-bank financial institutions from the market remains unresolved. Analysis of publications and researches. Outstanding scientists carried out research on competitiveness and development of non-banking financial institutions: O. Dorosh, M. Porter, O.P.Sielnik. Dragan O.I. etc. The study and analysis of these publications give us the opportunity to analyze and draw conclusions.

Документ

Development of the stock market in the context of the financial global trends

(KNUTE, 2020) Mishyna Anhelina

Relevance of research. The development of the modern stock market in Ukraine is a mandatory factor for the transition to a full–fledged market economy and improve the money supply system. In a market economy, the securities market is the main mechanism for redistribution of savings. The stock market is an important element of the country's economy, which has a list of its functions in the country's economic system. As part of the infrastructure, it can greatly simplify several tasks that the state sets itself to achieve economic growth. It also helps to transform the savings of the population into investments, thus helping to adapt the national economic system to the international environment. Developed infrastructure of the financial market of Ukraine is the main condition that is a challenge of today. And the effective functioning of the stock market allows for active social and economic development of the country and meeting the financial needs of entities. At the same time, the efficiency of the financial market depends on many objective and subjective factors, among which a special place is occupied by the creation of infrastructure adequate to the level of economic growth and financial relations. The development of the stock market at the present stage indicates that it does not perform its functions effectively. Therefore, the study of the stock market of Ukraine is a truly relevant topic.

Документ

Financing of the residential real estate market:domestic and foreign experience

(KNUTE, 2020) Shabat Oleksandra

The actuality of the theme: Sustainable socio-economic development of any country is impossible without the effective functioning of mechanisms for providing quality financial services in the residential real estate market.The current economic situation in Ukraine is characterized by high turbulence and growing crisis processes, which negatively affects the financial and real sectors of the economy, reduces real incomes and slows down investment processes. In developed countries, housing construction is actively developing due to well-established and reliable financing mechanisms, primarily through bank lending.In contrast,high interest rates on borrowed resources in Ukraine,as w ell as imperfect risk management technologies and gaps in the assessment of technical aspects of investment construction projects limit the ability of domestic banks to lend to developers.At the same time,the renewal of the housing stock is due to the existence of an objective need for economic recovery. Reduction of investment activity and inflow of borrowed capital in the housing sector during the crisis significantly exacerbated the problem of low, by world standards, housing in Ukraine,which requires the development of ways to improve the interaction of resindetional real estate finance in order to balance their rights and interests.

Документ

Instruments for early diagnosis of financial institution insolvency

(KNUTE, 2020) Leontovych Olha

Issue determination. At the current stage of the development of the national economy, banks play an important role by accumulating funds from the population, business and the state, using these funds for lending and investment, and ensuring settlement and payment. Over the last five years, the banking secto r has seen negative trends, such as an increase in the volume of non-performing loans, low capitalization, a significant increase in the bankruptcy of banking institutions and a decrease in confidence in the banking system. Taking into account the problems in the banking sector, there is a real threat to the stability of the financial system of Ukraine as a whole. Therefore, it is necessary to create an effective methodology that will help to timely and accurately forecast the financial condition of the bank for the future and prevent the development of negative trends that could lead to the liquidation of the institution. In order to create such a methodology, it would be advisable to analyze the available tools used to forecast the financial condition of b anks.

Документ

Integration of the market of insurance services in the global financial space

(KNUTE, 2020) Haponenko Tetiana

Relevance of research. Insurance sector is an important part of the financial system and a tool for economic growth in all developed countries. Insurance s erves as risk management tool for business and households, as it helps to minimize the impact of unexpected financial losses. It also ensures financial stability by providing long-term investment in the economy, as insurance premiums, accumulated by insura nce companies, can be used as credit and investment resources. Considering the continuous economic and political instability, insurance is especially relevant for the participants of economic activities in Ukraine as a mean for protection from negative fac tors and potential threats. Given Ukraine's course towards European integration, it is essential to bring the domestic insurance market to international standards and successfully integrate it in the global financial space, which explains the need for the study. Conceptual principles of functioning of the insurance services market are covered in the works of such authors as: O. Zhuravka [9], V. Vyhovska [6], O. Vovchak [6], O. Stoyko [26] and D. Dema [8]. The scientific works of such scientists as L. Nechiporuk [14], O. Kozmenko [13], N. Fedorova [30] and others are devoted to the study of theoretical and practical problems of integration of the domestic insurance market into the global financial space. However, considering the developments occurring in the field of insurance in Ukraine and constant changes of the economic environment, further research into the theories and practices of the insurance market continues to be relevant, which led to the choice of the topic of this research, determined its purpose and objectives.

Документ

Integration of Ukraine’s payment services market into the global financial space

(KNUTE, 2020) Martynenko Andrii

The actuality of the theme: The modern world is characterized by new, rapidly developing, high-tech processes affecting all spheres of our life under the conditions of Ukraine's integration into the world economic space, institutions that provide payment services depend on their pricing and opportunities to move from using traditional mechanisms and procedures of customer service to the introduction of innovative technologies, modern electronic payment services, expanding the range of offered products and communication strategies for their promotion. Globalization of the world economy today requires simplification of access to payment service from any point of the earth. Therefore, the theme of the financial institutions of foreign countries for the provision of payment services is an achieve for the search of successful aspects in the international experience of providing payment services to further implement them in the domestic space and that is why it requires thorough and studying, elaboration of relevant as the technologies, methodical recommendations, and fundamentally new approaches to their treatment.

Документ

Regulation of activities of non-state pension funds in the context of international requirements

(KNUTE, 2020) Shpak Diana

The relevance of the theme: Private pension funds are both an integral part of the country's pension system and are among the main players in the institutional investor market. For a number of years, private pension funds have been showing steady growth in most indicators of their development. Not only the largest corporations, but also enterprises of various branches of economy, banks and other financial organizations show interest in their activity. Simultan eously with the development of private pension funds was the development and improvement of the system of state regulation of activities in the field of private pension provision, supervision and control over these activities, which leads to increasing att ention to this problem in scientific circles. Studying the general principles and identifying problems of regulating the activities of private pension funds is an important practical aspect in the development of these entities in the market of private pens ion provision in Ukraine. The issue of regulating the functioning of private pension funds is covered in the works of domestic and foreign authors, including Y.Vitka [2], O. Gorbacheva [6], K. Gutgartz [7], А.Nechay [9], N. Tsikanovskaya [11], R.Maydanik [12], R.Holtzman [17], Reisen H. [20] and others. Despite systematic research, there are no thorough approaches in the scientific works to a comprehensive study of the problems of regulating the activities of private pension funds.

Документ

Reputational risk management of a financial institution

(KNUTE, 2020) Zhenzherukha Petro

Relevance of research. Confidence in different financial institutions, especially banks, their shareholders and executives as well as in information they provided in public, has declined significantly after the global financial crisis. The attention of international financial institutions, supervisors and banks to the reputation risk has increased in way to restore it. In particular, the EBA (The European Banking Authority) document on SREP (Supervision and Evaluation Process; EBA / GL / 2014/13) emphasizes the need to consider reputation risk as an essential part of bank risk management. History has shown many examples of banks' reputational risk associated with a wide range of potential sources that can have serious business consequences. Taking measures to eliminate the consequences of losing your reputation requires enormous effort and resources. Usually, the cost of a damaged reputation is significantly higher than its maintenance, and therefore banks should avoid risk events that will lead to their unfavorable perception by stakeholders. In order to avoid spending a significant amount of money on reputation restoration, banks should take care to establish an effective system for managing this risk.

Документ

The formation strategy for financial institution securities portfolio

(KNUTE, 2020) Kovalenko Maksym

Relevance of the topic. Key characteristic feat ure on improvement of the bank's activities is the expansion of vectors of its operations, among which the investment sector bears quite an important function. The investment activity of the institutions of the banking system plays an important role both for the economic development of the state in the whole and for its own activity in particular. Within the economic development of the state, the role of the investment sphere of banking institutions is determined by the mobilization of capital of the popula tion and economic entities, as well as its placement into effective activities, stimulating the expansion of the real sector of the economy and living standards in general. Effective investment activity of banking institutions is determined only by the optimally chosen investment policy and investment strategy. Therefore, we may determine that investigation and improvement of portfolio investment in the field of commercial banks, which in its turn contributes to the activation and success of the investment sector, is extremely important aspect of economic development in the whole

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