BazEkon - The Main Library of the Cracow University of Economics

BazEkon home page

Main menu

Author
Alyeksyeyev Ihor (Lviv Polytechnic National University, Lviv, Ukraine), Mazur Andriana (Lviv Polytechnic National University, Lviv, Ukraine)
Title
Adapting International Experience to the Deposit Guarantee System in Ukraine
Adaptacja międzynarodowego doświadczenia do systemu gwarantowania wkładów na Ukrainie
Source
Nauki o Finansach / Uniwersytet Ekonomiczny we Wrocławiu, 2018, vol. 23, nr 1, s. 9-21, tab., bibliogr. 23 poz.
Financial Sciences / Uniwersytet Ekonomiczny we Wrocławiu
Keyword
Gwarancja, Gospodarka
Guarantee, Economy
Note
JEL Classification: G280, G210, G320
streszcz., summ.
Country
Ukraina
Ukraine
Abstract
Celem badania było uzasadnienie metodologicznych i technicznych zaleceń o udoskonaleniu systemu gwarantowania wkładów na Ukrainie ze względu na doświadczenie międzynarodowe. Obiektem badania było zarządanie systemem gwarantowania wkładów w ramach reformowania ustawodawstwa Ukrainy, skierowanego na utworzenie mechanizmu gwarantowania wkładów. W trakcie badania zostały wykorzystane następujące metody: metoda dialektyczna oraz metody analizy i syntezy - badania osobliwości systemu gwarantowania wkładów państw rozwiniętych, charakterystyka mechanizmu zwrotu depozytów oraz osobliwości prawa międzynarodowego; metoda statystyczna - analiza wskaźników systemu bankowego na Ukrainie oraz unii kredytowych (UK), w celu empirycznego ustalenia korelacji wskaźników UK i banków; analiza strukturalna i logiczna - rozwój teoretycznych oraz metodologicznych zasad kształtowania skutecznego mechanizmu gwarantowania wkładów na Ukrainie. Zbadano konieczność zapewnienia udziału w systemie gwarantowania depozytów nie tylko osób fizycznych, a także przedsiębiorców i osób prawnych. To sprzyja rozwojowi małych i średnich przedsiębiorstw w kraju. Przeanalizowano osobliwości działalności unii kredytowych na Ukrainie w kontekście reformowania systemu bankowego. Uzasadniono możliwość włączenia unii kredytowych do systemu gwarantowania wkładów na Ukrainie na przykładzie państw UE i świata. Scharakteryzowano niezbędne korekty do ustawodawstwa krajowego dotyczącego zakresu gwarantowania wkładów oraz zaoferowano skuteczne mechanizmy ich spełnienia.(abstrakt oryginalny)

The research objective of the article is the substantiation of methodological and applied recommendations for improving deposit guarantee system in Ukraine in view of the international experience. The study object is the deposit guarantee system management in the framework of reforming the Ukrainian legislation aimed at establishing a mechanism of deposits guaranteeing. During the research there were used such methods as: dialectical method and methods of analysis and synthesis - to study the features of deposit guarantee systems of developed countries, the characteristics of mechanism for returning deposits and international law peculiarities; statistical method - to analyze the indicators of banking system in Ukraine and credit unions (CU), for empirical determining CU to banks indicator ratio as well; structural and logical analysis - to develop theoretical and methodological principles of forming effective deposits guaranteeing mechanism in Ukraine. The need to ensure the system of deposits guaranteeing not only to individuals but also to individual-private entrepreneurs and legal entities was established. This will facilitate the development of small and medium businesses in the country. There were analyzed peculiarities of credit unions activity in Ukraine in the context of reforming the banking system. The possibility of including the credit unions to the deposit guarantee system of Ukraine by the example of the EU countries and the world was substantiated. There were characterized necessary amendments to the national legislation in the field of deposit guaranteeing and the effective mechanisms for their implementation were proposed.(original abstract)
Accessibility
The Main Library of the Cracow University of Economics
The Library of Warsaw School of Economics
The Library of University of Economics in Katowice
The Main Library of the Wroclaw University of Economics
Full text
Show
Bibliography
Show
  1. AEQUO / Advising EBRD on the reform of Deposit Guarantee Fund, https://aequo.com.ua/projects/aequo_advises_ebrd_on_the_reform_of_deposit_guarantee_fund.
  2. Alieksieiev I., Aliksieieva S., 2011, Kreditnye sojuzy Ukrainy: priroda i problemy, Business Inform., no. 2, vol. 1, pp. 34-36.
  3. Bank Guarantee Fund, https://www.bfg.pl.
  4. Boichuk T., 2015, The Legal regulation of guaranteeing and savings restoration in Ukraine, the manuscript for the scientific degree of the Candidate of Science of Law, Lviv Polytechnic National University, Lviv.
  5. Credit Union Association Bulletin, http://www.unascu.org.ua/bulletin/61.pdf.
  6. Deposit Guarantee Fund of Ukraine, 2016, http://www.fg.gov.ua/en.
  7. Directive 94/19/EС of the European Parliament and the Council of 16 May 1994 on deposit guarantees schemes, Official Journal, L 135.
  8. Directive 2014/49/EU of the European Parliament and the Council of 16 April 2014 on deposit guarantee schemes, Official Journal of the European Union, 12.6.2014, L 173/149.
  9. http://forbes.net.ua/business/1397145-infografika-kak-rabotaet-garantirovanie-vkladov-v-raznyh-stranah.
  10. http://nfp.gov.ua/content/richni-zviti-nackomfinposlug.html.
  11. IADI Core Principles for Effective Deposit Insurance Systems, 2014, http://www.iadi.org/en/assets/File/Core%20Principles/cprevised2014nov.pdf.
  12. International Association of Deposit Insurers, 2016, http://www.iadi.org/en.
  13. Kolchanov D. (ed.), 2007, The system of compulsory bank deposits insurance and the mechanism of its realization, the thesis for the scientific degree of the Candidate of Science of Economics, Tumen, p. 24.
  14. National Bank of Ukraine, 2016, https://bank.gov.ua.
  15. Ogienko V. (ed.), 2005, The households deposit guarantee system in Ukraine, the manuscript for the scientific degree of the Candidate of Science of Economics, Lviv, p. 19.
  16. Pospelova M., 2007, Will the deposit guarantee system be effective? http://allpravo.ru/library/doc99p0/instrum5281/item5282.html.
  17. Pozhar A. (ed.), 2013, Kredytno-kooperatyvnyi Sector Ekonomiky Evropeiskyh Krain, RWC PUET, Poltava, p. 278.
  18. Pyshnyi A., 2006, Deposit Guarantee System: Reforms are necessary and inevitable, http://gazeta.zn.ua/ECONOMICS/sistema_garantirovaniya_vkladov_reformy_neobhodimy_i_neizbezhny.html.
  19. The Financial Stability Forum (FSF), 2016, http://www.fsb.org.
  20. The Law of Ukraine, "On Amendments to Certain Legislative Acts of Ukraine (on Improvement of the Deposit Guarantee System and Removal of Insolvent Banks from the Market)" of July 16, 2015, Ref. number 629-VIII, http://zakon3.rada.gov.ua/laws/show/629-viii.
  21. The Law of Ukraine, "On Households Deposit Guarantee System" of February 23, 2012, Ref. number 4452-VI, http://zakon2.rada.gov.ua/laws/show/4452-17.
  22. Turbanov A. (ed.), 2004, Financial and legal bases of creation and functioning of the deposit insurance system in the Russian Federation, the thesis for the scientific degree of The Doctor of Science of Law, Moscow, p. 47.
  23. Ukrainian National Credit Union Association: Credit Union Association Bulletin, 2017, http://www.unascu.org.ua/bulletin/61.pdf.
Cited by
Show
ISSN
2080-5993
Language
eng
URI / DOI
http://dx.doi.org/10.15611/fins.2018.1.01
Share on Facebook Share on Twitter Share on Google+ Share on Pinterest Share on LinkedIn Wyślij znajomemu