Suchergebnisse

The necessity and rationality of certain legislative changes in the sphere of banking regulation in the system of state administration of banking activity have been noted, particularly it has been emphasized on the effectiveness of regulating the normative and legal base by: exclusion of regulations of currency positions and establishment of flexible exchange limits instead of them that allows the National Bank of Ukraine to regulate the level of currency risks in accordance with the conditions of the international currency market and the financial and economic situation in the state, and banks to carry out in advance the adjustment of strategies; exclusion of regulations in the correlation of regulatory capital to the duties and total assets and establishing the norm of the main capital adequacy instead of them that allows to avoid their duplication with the regulation of regulative capital adequacy; exclusion of the regulation of the maximum total amount of loans, guarantees and warranties granted to insiders was necessary due to its duplication of the regulation of the maximum amount of credit risk on transactions with entity related to a bank. It has been emphasized on the irrationality of the exception pf the regulation of the maximum amount of loans, guarantees and warranties granted to one insider, which led to the inability to assess and minimize the risks associated with credit transactions with a separate entity related to a bank. That is why there is a need for establishing the regulation H10 "The regulation of the maximum amount of credit risk on one entity related to a bank". The author has also offered to establish the efficiency standards of using assets (H14 and H14-1) that ensure the stability of banks, support of their reliability and stimulate economic growth. ; Проаналізовано зміни, що відбувались останнім часом у законодавстві України у сфері банківського регулювання, зокрема зміни щодо встановлення економічних нормативів і контролю за їх дотриманням банками. Встановлено доцільність виключення з чинних нормативно-правових актів нормативів валютних позицій, нормативів співвідношення регулятивного капіталу до зобов'язань і сукупних активів, нормативу максимального сукупного розміру кредитів, гарантій і поручительств, наданих інсайдерам. Запропоновано закріпити в чинному законодавстві норматив максимального розміру кредитного ризику на одну пов'язану з банком особу та нормативи ефективності використання активів.

The essence of banking control and scientific approaches to determine its differences from banking supervision have been researched; the place of banking control in the system of state control has been determined. The author has indicated on the absence of the definition of the concept of the state control in the banking sector in the legislation of Ukraine, as well as on the problem of the delineation of the terms "state control in the banking sector", "state regulation of the banks activities", "banking regulation" and "banking supervision". It has been established that the verification is a form of activity of the National Bank of Ukraine, which is inherent for banking control and banking supervision. Therefore, the notion of the state banking supervision involves the intervention of the state supervisory agency, which acts as a controller, in the activities of banks. It has been emphasized that control includes not only verification of the activity of the object under control and its legality, but also supervision (monitoring) over its realization and expediency. Therefore, the concept of "banking control" is identical to the concept of "banking supervision". It has been emphasized that it is expedient to distinguish the concepts of "state control in the banking sector" and "banking control". It has been found out that banking control (supervision) is a complex of ordered actions aimed at monitoring the activities of banks, verification of the conformity of actions of controlled subjects with the established requirements of legislation in order to detect deviations from established norms, implementation of managerial influence, and the provision of recommendations. The state control in the banking sector should be considered as a function of public administration, which covers both the activities of the National Bank of Ukraine on the implementation of banking control (supervision) and the activities of other state power agencies. ; Досліджено сутність банківського контролю та наукові підходи щодо визначення його відмінностей від банківського нагляду, визначено місце банківського контролю в системі державного контролю. Розглянуто проблему розмежування термінів «державний контроль у банківській сфері», «державне регулювання діяльності банків», «банківське регулювання» і «банківський нагляд». Наголошено на відмінності понять «державний контроль у банківській сфері» та «банківський контроль», запропоновано їх визначення.