UDK: 336.74 (477)

Larisa M. BARABAN

Cherkasy Institute of Banking of the University of Banking of the National Bank of Ukraine (Kyiv)

ELEKTRONIK MONEY: OPPORTUNITIES, TRENDS AND PROSPECTS DEVELOPMENT IN UKRAINE

The research is aimed at the analysis of the current status of e-money systems in the Ukraine systematization of the world experience in e-money legal regulation and determination of further prospects of introducing e-money in Ukraine as a new instrument of payment for retail payments.

Full Article in Ukrainian

UDK: 336.71722:17.022

Tatiana Z. VANTUKH

University of Banking of the National Bank of Ukraine (Kyiv)

AXIOLOGICAL COMPONENT OF CONFIDENCE IN BANK DEPOSITS

Іn article raise the problem of the use an axiological component categories «trust» in describing economic relations between customers and commercial banking. Investigated component of confidence in bank deposits and the question of the formation of value guide. of the financial behavior of the households as part of trust in banks.

Full Article in Ukrainian

UDK: 336.71:330.142.22 (477)

Victor A. VARENYK

Candidate of Science in Economics, Lviv Academy of Commerce

Victor A. SYDORENKO

Candidate of Science in Economics, Kyiv National University of Trade and Economics

FORMING OF SYSTEM MANAGEMENT OF CAPITAL FORMATION IN BANK ACTIVITY

Essence of process of capital formation is considered, and also bank capital in a narrow definition and in a wide definition. Control system of capital formation is developed in banking activity with the selection of basic subsystems: functional and protective.

Full Article in Ukrainian

UDK: 336.71:004.738.5

Maryna M. VOITKO

The National Bank of Ukraine

CONSTRUCTION OF A GENERALIZED MODEL OF THREATS TO INTERNET-BANKING

This article is devoded to investigation of generalized model of threats for Internet-banking systems, which is based on interrelation of operation risks and information security risks.

Full Article in Ukrainian

UDK: 378.3

Serhiy M. DANYLENKO

University of Banking of the National Bank of Ukraine (Kyiv)

PUBLIC-PRIVATE PARTNERSHIP IN THE IMPLEMENTATION AND FINANCING OF INNOVATIVE PROJECTS

In the article the need to intensify financial and credit mechanism for implementing innovative projects by concentrating as public funds and funds of private businesses, which will develop a national innovation system. The basic mechanisms of the state and the private sector in the implementation of innovative projects. These main positive effects of implementation and financing of innovative projects on public-private partnership.

Full Article in Ukrainian

UDK: 336.71

Аndrii М. DEMCHENKO

University of Banking of the National Bank of Ukraine (Kyiv)

MODERN STATE OF RETAIL BANKING IN UKRAINE

In the article further analysis of modern state of retail banking was accomplished, tendencies and trends of its development were discovered. The influence of population requirements in financial service and changes of market conditions onto the formation of product range of banking retail was thoroughly studied.

Full Article in Ukrainian

UDK: 336.71

Serhii V. DIDENKO

Cherkassy Institute of Banking of University of Banking of the National Bank of Ukraine

Vasyl V. SHL’ONCHAK

Cherkassy Institute of Banking of University of Banking of the National Bank of Ukraine

METHODS OF RISK ASSESSMENT OF CREDIT AND INVESTMENT BANKING BASED ON REGULATORY-INDEX MODEL

The risk assessment methodology development in the information uncertainty takes a special place in the bank credit risk management system, while crediting the enterprises of the different sectors of economy. Successfully solve these issues can only be provided using modern strategies, techniques and systems of risk management. One of the most important is the application of the methodology for determining the level of riskiness of bank loans market by using methods of nonparametric statistics.

UDK: 345.17 (286)

Nikolai A. DUBENETSKY

Candidate of Science in Economics, Associate Professor, Vitebsk state technological University

Irina N. KALINOVSKAIA

Candidate of Technical Sciences, Vitebsk state technological University

BY THE QUESTION OF THE CAUSES AND CONSEQUENCES OF THE LIQUIDITY CRISIS

The article analyses the relationship between liquidity crisis and economic crisis. The authors believe that the liquidity crisis is the cause of the economic crisis. According to the authors, the symptom of liquidity crisis is the excessive growth of capitalization of the stock market.

Full Article in Russian

UDK: 631.162 : 657.2

Maryna V. DUBININA

Doctor of Science in Economics, Associate Professor, Mykolaiv State Agrarian University

Liubov M. VYSHENSKA

Mykolaiv State Agrarian University

THE DIRECTIONS OF FORMATION OF HIGH-QUALITY INFORMATIONAL BASE OF THE FINANCIAL PERFORMANCE OF AGRICULTURAL ENTERPRISES

The article considers the nature, importance and problems of formation of high-quality informational base of the financial performance of agricultural enterprises.

Full Article in Ukrainian

UDK: 336.21

Liudmyla M. YEFIMOVA

Candidate of Science in Economics, Kremenchuk Institute Dnepropetrovsk Alfread Nobel University

THEORETICAL ASPECTS OF FINANCIAL PROVISION OF AGRICULTURAL ENTERPRISES ACTIVITY

The essence of financial provision is revealed in the paper; general elements of the mechanism of providing enterprises with it are singled out and grouped; peculiarities and distinctions of financial-credit activity of an agricultural enterprise are determined. The notion “financial resources” and the sources of financial resources formation are analyzed. The role of commercial crediting, budget financing and agricultural insurance is clarified. Attention is drawn to problems and ways of improvement of the system of financial-credit provision of agricultural enterprises.

UDK: 336.711

Jahongir R. ZAYNALOV

Doctor of Science in Economics, Professor, Samarkand institute of economy and service

Susanna S. ALIEVA

Candidate of Science in Economics, Samarkand institute of economy and service

INCREASE OF THE CENTRAL BANK’S MONETARY POLICIES ROLE ON IMPROVEMENT OF ECONOMY AND ENSURING SUSTAINED ECONOMIC GROWTH

This article is devoted to consideration of various scenarios of carrying out a monetary policy by the Central Bank of the Republic of Uzbekistan aimed to providing stability of national currency, improvement of economy and ensuring steady high-quality economic growth by decrease in inflation, preservation of favorable investment climate, competition development, support of small business, that is achievement of financial stability.

Full Article in Russian

UDK: 336.711

Jahongir R. ZAYNALOV

Doctor of Science in Economics, Professor, Samarkand institute of economy and service

Tulkin A. SATTAROV

State Committee of the Republic of Uzbekistan for privatization, demonopolization and development of competition

Shokhruh J. RASULOV

Samarkand institute of economy and service

INFLUENCE OF THE PRICES ON STABILITY THE MONETARY POLICY’S DEVELOPMENT

In this article the volume of money supply in a turn in interrelation with factors of an increase in prices and inflation, the direction of increase of the monetary policy tools efficiency capable to provide the economic growth and stability bank and payment systems is considered. Thus the special attention is paid to the analysis and an assessment of monetary stability, including purchasing power of monetary unit and transition to indirect instruments of monetary and credit regulation that, according to authors, will create the most favorable conditions for development of real sector of economy.

Full Article in Russian

UDK: 004.932.2:336

Khrystyna O. ZASADNA

PhD in Physical and Mathematical Sciences, Associate Professor, Lviv Institute of Banking of the University of Banking of the National Bank of Ukraine (Kyiv)

QR CODING AND ALTERNATIVE TECHNOLOGIES

This article describes the usage of QR-coding in Ukraine. QR-code is a simple, convenient, and interactive means of distributing and attaining information. The advantages of this code include large volume of data that can be coded and quick access to this data by means of system for scanning and recognition available on modern mobile devices. QR-coding technology is usually used in advertising, trading, logistics, tourism, and banking. Along with QR-coding, the following alternative data obtaining technologies are used: Sonic Notify, RFID, NFC.

Full Article in Ukrainian

UDK: 336.77

Olga A. ZOLOTARJOVA

Candidate of Science in Economics, Associate Professor, Polessky State University

Oksana A. TELJAK

Candidate of Science in Economics, Polessky State University

IMPROVING THE INSTITUTIONAL INFRASTRUCTURE OF THE FINANCIAL SYSTEMS IN EMERGING MARKET COUNTRIES

The authors of the article have worked out the concept of reforming the institutional structure of monetary policy of Belarus. The model of the Bank of capital functioning is proposed which is the key point of the change in macroeconomics and macroeconomic policy.

Full Article in Russian

UDK: 336.7

Raisa S. KVASNITSKA

Candidate of Science in Economics, Associate Professor, University of Banking of the National Bank of Ukraine (Kyiv)

BANKS AS INVESTORS IN THE FINANCIAL MARKET: THE ROLE AND STATUS

The article examines the place and role of banks among investors in the financial market. The analysis of approaches to the nature and composition of different status types in the financial market investors reasonably author's position on the advisability of referring to the banks of the status type of investors as institutional investors. Proved that the principal mission of creating banks as depository financial corporations should be considered in the financial market is not as institutional, and as corporate investors, who can both portfolio and direct investment in shares of non-financial and financial corporations.

Full Article in Ukrainian

UDK: 330. 11 (477) : 336. 27 (477)

Ihor I. KOBLYK

Lviv branch PHEI “EuropeanUniversity”

SOCIO-ECONOMIC IMPACT OF CURRENT DEBT POLICY IN UKRAINE

Analyzed the social and economic impact of debt policy, which is calculated on the basis of statistical data using correlation – regression modeling. In the study revealed positive and negative effects of debt policy on macroeconomic and macro-financial sphere of the state.

Full Article in Ukrainian

UDK: 378.001.76

Snezhana A. KOVALENKO

candidate of agricultural Sciences, Associate Professor, Gomel branch of the International University “MITSO”

Anna M. KRITSKY

Gomel branch of the International University “MITSO”

THE ROLE OF UNIVERSITIES IN THE TRAINING OF YOUNG SPECIALISTS

The article studies processes taking place in higher education at the present stage. Scientific and methodological support of the Belarusian university education is analyzed. The attention is focused on the problem of designing an innovative environment in universities.

Full Article in Russian

UDK: 336.711.65

Irina. S KRAVCHENKO

Doctor of Science in Economics, Professor, University of Banking of the National Bank of Ukraine (Kiev)

Yuliia S. BALAKINA

University of Banking of the National Bank of Ukraine (Kiev)

DEFINITION OF «PAYMENT SYSTEM»

In article authors define the nature of payment system standing on the analysis of the main approaches to its determination as a category of macroeconomic and microeconomic. Authors revealed various approaches to defining the essence of the term “payment system”: on the basis of its functions or organization and functions, as a process or an institutional formation etc. In addition, authors identified characteristic features of modern payment systems for the defining the essence of “payment system” as microeconomic category.

Full Article in Ukrainian

UDK: 368.8

Olena V. MARTSENYK-ROZARONOVA

Candidate of Science in Economics, Vinnytsia national agrarian university

PROPERTY INSURANCE: FEATURE, MEANINGFULNESS AND PROSPECTS OF DEVELOPMENT

In the article the dynamics of basic performance of insurance companies indicators is considered and analysed in industry of property insurance. The factors of influence are educed on structural changes in property insurance. Basic tendencies and directions of optimization of property insurance are certain in Ukraine.

Full Article in Ukrainian

UDK: 657.01

Sergiy V. MEDVID

Cherkasy Institute of Banking of the University of Banking of the National Bank of Ukraine (Kyiv)

SPECIFIC OF ACCOUNTING SUBJECT AND OBJECT IN NON-GAVERNMENT PENSION FUNDS

The development of non-government pension insurance sharply raises question about the need to obtain timely and accurate information that would fully reflect the specifics of the non-government pension funds activity. An important role in this process is the development of organizational and methodological principles of accounting as a system that is able to generate relevant data. However, the foundation for implementing the necessary measures in this area should be a reliable theoretical framework, the development of which is impossible without defining key concepts such as subject and object of accounting. Because the only way to develop specific effective organizational tools is the knowledge of the objects of influence in certain specific activities The author has investigated the essence of the subject and object of accounting through the prism of time, studied their relationship, analyzed specificities of non-government pension funds and their impact on the interpretation of the subject and object of accounting in non-government pension funds.

Full Article in Ukrainian

UDK: 004.415

Olena A. NYEMKOVA

Lviv Institute of Banking the University of Banking of the NBU

INFORMATION SYSTEM OF BIOMETRIC AUTHENTICATION IN MOBILE BANKING

This article is devoted to the information system of mobile banking with a smartphone-based biometric authentication. The hash function is proposed that provides closure of biometrics in information networks for remote access to client account. The structure of the iris of the human eye is considered as biometrics. The hash function is described as a table of numbers. Verification of sustainability of cryptographic hash functions is performed. The session key for the hash is determined by the sequence of biometric data and authentication data of smartphone. The protocol of mutual authentication of a client and the server of payment system is given. The number of client’s safe applications to ATM is estimated.

UDK: 336.77:631.16

Nataliia S. PROKOPENKO

Doctor of Science in Economics, Professor, “European University” PHEE

PROBLEMS AND PROSPECTS FOR CONTROL BANK LENDING TO ENTERPRISES OF THE AGRICULTURAL SECTOR

The paper considers the problem of bank loans in a market economy. The concept of control bank lending businesses of the agricultural sector, which is a symbiosis necessary mechanisms and tools in the management of bank lending.

Full Article in Ukrainian

UDK: 332.021:336.02

Svitlana T. PUKHYR

Candidate of Science in Economics, Associate Professor, University of Banking of the National Bank of Ukraine (Kyiv)

A NEW FACILITY OF THE STATE REGIONAL POLICY FINANCING: REGIONAL DEVELOPMENT AGREEMENTS

Positive results were analyzed and the issues were defined of one of modern facilities of the state regional development policy financing – regional development agreements based on the experience of Donetsk and Lviv regions.

Full Article in Ukrainian

UDK: 336.711

Zokir J. RASULOV

Candidate of Science in Economics, Samarkand institute of economy and service

Shavkat I. IBRAGIMOV

Samarkand institute of economy and service

Adham O. DUSANOV

Samarkand institute of economy and service

MONETARY POLICY IN THE CONDITIONS OF GROWING SCALE INFLATION PROCESSES

In this article transition questions to target indicators on inflation for achievement of the main purpose of the Central Bank - decrease the inflation degree taken place. According to authors this assumes creation a monetary policy key parameters forecasts, the model of the monetary policy’s transmission mechanism which will allow to increase the accuracy of forecasts on inflation, to estimate influence of the measures taken in the field of a monetary policy on inflation, the characteristic of model of the transmission mechanism is taken place.

Full Article in Russian

UDK: 336.77

Oksana L. RUDA

Candidate of Science in Economics, Vinnytsia National Agrarian University

BANK CREDITING AS ONE OF TYPES OF PROVIDING OF INVESTMENT-INNOVATIVE DEVELOPMENT OF AGROFORMATIONS

In the article the problems of the effective and profitable functioning of agroformations are examined in modern terms due to realization of innovative-investment activity, id est translation of industry is on the innovative model of development. A process of innovative development of economy and bank crediting are in close intercommunication, so as a credit can come forward as by the alternative sourcing of scientific and technical projects or as an additional money resource necessary for the decision of current and long-term economic necessities.

Full Article in Ukrainian

UDK: 338.244

Alla О. SAYUN

Candidate of Economics, Associate Professor, Cherkasy Institute of Banking of the University of Banking of the National Bank of Ukraine (Kyiv)

MANAGEMENT ACCOUNTING IN THE STRATEGIC PLANNING

Actual the use of management accounting instrategic planning system in the enterprise, the notions environmental management accounting, its degree of importance, performance evaluation.

Full Article in Ukrainian

UDK: 336.71

Pavlo M. SENYSHCH

Candidate of Science in Economics, National Bank of Ukraine

DEVELOPMENT OF INVESTMENT PARTNERSHIP AND KAPITALOOBRAZUYUSCHEY OF ACTIVITY OF BANKS

This article explores the development trends capital accumulation activities of banks and investment partnership mechanism. Characterizes the global experience of banking institutions in the initial public offering (IPO) of other banks or companies. Ways capital accumulation activation of banks.

Full Article in Ukrainian

UDK: 336.722.117

Yuliia S. SERPENINOVA

Candidate of Science in Economics, Ukrainian Academy of Banking of the National Bank of Ukraine (Sumy)

DEPOSIT GUARANTEE SYSTEM LIMITATIONS

In this article we discuss general approaches to the implementation of the Deposit guarantee system restrictions, it is given their analysis and justification. Also it is given the analysis of the national deposit guarantee system limitations under the law.

Full Article in Ukrainian

UDK: 336.71

Yevgenii N. SKOK

University of Banking of the National Bank of Ukraine (Kyiv)

UKRAINIAN INTERBANK CREDIT MARKET MICRO LEVEL IN THE GLOBALIZATION CONDITION

The development tendencies of the Ukrainian interbank credit market micro level are considered in the context of the monetary market changes during and after the financial and economic crises in 2008. In particular, it is analysed main micro level indicators dynamic and created recommendation for operational targeting of the average interbank overnight national currency credit interest rate.

Full Article in Ukrainian

UDK: 330.115:336.763

Victoria V. SOLOVYOVA

Candidate of Science in Economics, Associate Professor, Cherkasy Institute of Banking of the University of Banking of the National Bank of Ukraine (Kyiv)

THE RESEARCH OF THE TRENDS OF UKRAINE’S STOCK MARKET DEVELOPMENT

In the article from data of index of the UX Ukrainian exchange research of nonlinear properties of crisis national stock market condition is conducted. It is shown that nonlinear methods enable to interpret all spectrum of conduct of stock market.

Full Article in Ukrainian

UDK: 339.564.623

Volodymyr M. SHEMAYEV

doctor of Defence, Professor, National Defence University of Ukraine named after Ivan Chernyakhovsky

MAIN ACTIVITIES OF STATE FOR FOREIGN MISSIONS THE GLOBAL ARMS MARKET

The article considers the problem of increasing the effectiveness of the international military and economic cooperation through the promotion of the state as an exporter or importer and the impact on the character of the military and economic relations between the parties. Proposed use of state of foreign missions of Ukraine to improve the real impact on the effectiveness of state protectionism measures to promote arms. The content of the stages of market research of military and dual-use items.

Full Article in Ukrainian

UDK: 657

Victoria P. YURCHENKO

University Of Banking Of The National Bank Of Ukraine (Kiev)

THE ROLE OF ACCOUNTING-ANALYTICAL INFORMATION FOR MANAGEMENT OF THE ACTIVITIES OF HEAVY INDUSTRY ENTERPRISES

The article analyzes the activities of heavy industry, the current state of management machine-building enterprises of Ukraine. The influence of the features of the machine-building enterprises in Ukraine in accounting procedures and analysis.

Full Article in Ukrainian