CLASSIFICATION OF FINANCIAL SERVICES MARKETS ; КЛАСИФІКАЦІЯ РИНКІВ ФІНАНСОВИХ ПОСЛУГ
Financial services market is a complex system of different interrelations between economic entities. The importance of such market development from the position of providing stable dynamic development of the country's economy is difficult to overestimate. At the present moment such market virtually permeates all branches of industry and national economy. That's why performing of new investigations in the sphere of knowledge of theoretical, methodical and methodological peculiarities of functioning and development of financial services market is actual. The identification of different by their nature features, under which the types of this market can be determined, is separate component of deepening theoretical principles of the mentioned market functioning. The article aims to identify the main features, under which the systematization and classification of the types of financial services market is conducted. It is offered within the article to consider financial services market as the combination of economic relations, which arise by realization of non-material form of interrelation results, characterized by use value, between entities in the process of satisfying by some participants (producers) of financial needs of the others (consumers) on the mutual benefit of their interests agreeing on their own account, on the customers' account or on the account of attracted financial resources of other entities in accordance with the current legislation with the purpose to get profit, to preserve the assets value or to achieve social effect from the realization of such interaction. Such approach allows to consider financial services market as integrated research facility and, taking this into account, to offer the classification of its types. It is emphasized that in the majority of scientific works, which have been analyzed, the attention of scientists is related to the investigation of segment structure of financial services market, that is not its classification. With account of that, in the article the main characteristics, under which the following types of such market are defined: in accordance with the legislation, by the method of development, by the level of regulating, by scale, by the character of functioning, by the level of integration into world economy, by development level; by the level of activities freedom, are identified. Their nature is substantiated ; У межах статті ринок фінансових послуг розглянуто як цілісний об'єкт дослідження і, з урахуванням цього, запропоновано класифікацію його видів. Зазначено, що у більшості наукових праць увага вчених відводиться дослідженню сегментної структури ринку фінансових послуг, що не є його класифікацією. З урахуванням цього у статті ідентифіковано основні класифікуючі ознаки, за якими у подальшому виділено типи окресленого ринку, а саме: відповідно до законодавства; за способом розвитку; за рівнем регулювання; за масштабом; за характером функціонування; за рівнем інтеграції у світову економіку; за рівнем розвитку; за рівнем свободи діяльності. Обґрунтовано їх сутність.