DSpace Collection: Світ фінансів Випуск 4 2018 рікСвіт фінансів Випуск 4 2018 рікhttp://dspace.wunu.edu.ua/handle/316497/330552024-03-28T19:57:42Z2024-03-28T19:57:42ZВектор розвитку медичного страхування у контексті сучасної медичної реформи в УкраїніКнейслер, ОльгаШупа, ЛесяKneysler, OlhaShupa, Lesiahttp://dspace.wunu.edu.ua/handle/316497/343162019-06-26T09:59:38Z2018-01-01T00:00:00ZTitle: Вектор розвитку медичного страхування у контексті сучасної медичної реформи в Україні
Authors: Кнейслер, Ольга; Шупа, Леся; Kneysler, Olha; Shupa, Lesia
Abstract: Окреслено положення медичної реформи, які порушують конституційні права українців на безкоштовну медицину. Зроблено висновки про позитивні перспективи запровадженої медичної реформи. Зазначено негативну тенденцію контрактної моделі охорони
здоров’я. Проаналізовано запропоновану модель системи охорони здоров’я в Україні. Запропоновано прийняття Закону України “Про загальнообов’язкове медичне страхування”. Introduction. The current practice of functioning of the medical sector shows the existence
of problems that impede the introduction of compulsory health insurance in Ukraine, the effective
development of its voluntary form. At the same time, the problems of development of medical in-
surance under the influence of crisis phenomena of the national economy are deepening.
The purpose of the article is to develop recommendations for improving medical reform in
Ukraine.
Results. The most controversial moment in the reform of health care was the rejection of free
medicine, the right to which is enshrined in the Constitution of Ukraine. However, budget medicine in Ukraine will still remain, however, in what volumes and at what stages of provision of medical
services or medical care is not yet defined in the Ministry of Health of Ukraine. The negative trend of
the contracted health model is the creation of an authorized body that will not only implement health
policy but, in fact, formulate this policy: to define state guarantees, needs for medical services and to
check the quality of these services. And this is a huge threat, because Ukrainian medicine will be in
a worse situation than it is now. We believe that the policy-making function should remain under the
Ministry of Health of Ukraine. The negative aspect of modern medical reform in Ukraine is the lack
of requirements for the formation of medical treatment protocols. This can be explained by the fact
that patients will continue to prescribe treatment that is untrue. Instead, for the health insurance, the
insurance company would monitor costs and control the appointment of treatment for the patient, the
price of medical services. In this context, we propose to adopt the Law of Ukraine “On Compulsory
Health Insurance”, which stipulates and clearly defines the rights and obligations of the insurer, the
insurer, the list of services, their price, a single register of insured persons, the formation of the Social
Health Insurance Fund and a differentiated approach to categories of the population.
Conclusions. The experience of developed countries of the world proves that achieving this
goal is possible through the introduction of insurance medicine. Insurance medicine is a real
alternative to budget financing, which is no longer capable of ensuring the constitutional right of
citizens to receive unpaid health care. The development of health insurance is an objective need,
which is dictated by the need to ensure that healthcare receives funds. At the moment, the study of
the question of the necessity of introducing compulsory health insurance is probably very relevant
to all. Successful market reforms in Ukraine are impossible without the formation of an effectively
organized health insurance market that can guarantee the preservation and strengthening of hu-
man health, improving the quality of medical services and the level of human life.2018-01-01T00:00:00ZРозвиток глобальних біржових мережЗінченко, ФедірZinchenko, Fedirhttp://dspace.wunu.edu.ua/handle/316497/343152019-06-26T09:53:41Z2018-01-01T00:00:00ZTitle: Розвиток глобальних біржових мереж
Authors: Зінченко, Федір; Zinchenko, Fedir
Abstract: Досліджено вплив мережевого ефекту або ефекту ліквідності на стратегію поведінки фондових бірж на сучасному етапі розвитку світового ринку капіталу. Виявлено
два основні напрямки розвитку біржової мережевізації: через інтеграцію та використання сучасних комунікаційних засобів окремими торгівельними платформами. Визначено
специфіку різних форм міжнародної інтеграції бірж: від формального співробітництва до
корпоративного злиття. Проаналізовано специфіку роботи провідних регіональних біржових об’єднань на прикладі MILA, SEE Link та Stock Connect. Визначена провідна роль
інформаційно-комунікаційних провайдерів у побудові сучасних глобальних біржових мереж. Introduction. For every exchange it is critical to maintain and spread its trading network. The
desire to achieve so called liquidity effect is especially important in highly competitive environ-
ment in which modern trading platform are operating. The way exchanges expands their networks
evolves and differs from country to country.
The purpose of the article is to analyze and define the characteristics of exchange networks
establishment at the present stage of global capital market development, to specify different forms
of integration among regulated markets, especially from developing countries. Results. The article investigates the influence of network or liquidity effects on the strategy
of organized stock markets behavior. Two main directions of exchange networks development
are revealed: through integration and by use of modern communication tools. Characteristics
of different forms of exchanges international integration are defined: from formal cooperation to
corporate merger. The specific functions of the most known regional organized stock markets
integration are analyzed, by the example of MILA, SEE Link and Stock Connect. The leading
role of information and communication providers in the construction of modern global stock ex-
changes networks has been identified.
Conclusions. Advantages that provide a network effect for organized stock markets leads to
a different forms of stock exchanges cooperation - from formal agreements to full consolidation
and mergers. At the same time, these processes are typical for exchanges from markets with
different levels of development. With the rapid development of IT and algorithmic trading, the
creation of stock exchange networks has significantly intensified globally. Striving to satisfy the de-
mand of modern computerized traders, exchanges are in close cooperation with communication
providers that own and operate world-wide optic-fiber networks.2018-01-01T00:00:00ZБанківські інновації: перспективи та загрози електронних банківських послугЧайковський, ЯрославКовальчук, ЯрославаChaikovskyi, YaroslavKovalchuk, Yaroslavаhttp://dspace.wunu.edu.ua/handle/316497/343142019-06-26T09:49:10Z2018-01-01T00:00:00ZTitle: Банківські інновації: перспективи та загрози електронних банківських послуг
Authors: Чайковський, Ярослав; Ковальчук, Ярослава; Chaikovskyi, Yaroslav; Kovalchuk, Yaroslavа
Abstract: Розкрито сутність поняття “банківські інновації”. Проаналізовано сучасний стан
електронних банківських інновацій в Україні. Визначено основні загрози, які впливають
на розвиток інновацій в банківській системі України, наведено перспективи розвитку
банківських інновацій. Запропоновано найбільш перспективні банківські інновації, які могли б бути започатковані в Україні. Introduction. Nowadays, innovation is not the only economic phenomena, which affects the
growth of productivity of factors of production, growth of volumes of production, structural chang-
es, economic growth and national competitiveness, etc. Now innovations have become identified
with development and improvement in all areas of the economy, including banking business.
The purpose of the article is to disclose the concept of “banking innovations” and then to
study the current state of electronic banking innovations in Ukraine, to identify the main threats,
which influence the development of innovations in the domestic banking system, and determine
the prospects for the development of banking innovations.
Results. The article defines the notion of “banking innovations”. The current state of electronic banking innovations and the influence of the Internet development on the banking services are considered. The essence of Internet banking is also revealed and its distribution in
Ukraine and in Europe is analyzed. In addition, the article presents the main threats affecting the development of innovations in
the banking system of Ukraine, and specifies incident cases and their consequences in Ukraine
and in the world.
The prospects for the development of banking innovations are considered, the most
promising banking innovations that could be launched in Ukraine were proposed.
Conclusions. In general banking innovations in Ukraine are not independent development
of truly innovative and unique products, services or technologies at the world level. It`s noticea-
ble that there is development in the field of electronic banking services. The undisputed leader
in the implementation of innovation at all levels of its own activities is the PJSC PrivatBank.
There are highlight key areas for improving innovation in the banking system of Ukraine,
such as: the formation of innovation policy, the development of distance servicing, and improve-
ment customer service. In addition, with the development of technologies, new threats to innovation in the banking system are emerging. So there should be given a lot of attention in order
to be in demand and banking institutions need to keep pace with global innovation and trends.2018-01-01T00:00:00ZFintex в системі фінансової інклюзивностіЛуців, БогданLutsiv, Bohdanhttp://dspace.wunu.edu.ua/handle/316497/343132019-06-26T09:41:56Z2018-01-01T00:00:00ZTitle: Fintex в системі фінансової інклюзивності
Authors: Луців, Богдан; Lutsiv, Bohdan
Abstract: Окреслено теоретичні підходи до розуміння сутності інклюзивної моделі розвитку
економіки в сучасних умовах та її органічної складової – фінансової інклюзивності. Акцентовано увагу на драйверах фінансової інклюзії, конкретних практичних аспектах
Стратегії НБУ у посиленні фінансової інклюзивності серед населення. Розкрито сутність новітніх фінансових технологій (FinTex) на фінансовому ринку. Охарактеризовано
суб’єкти FinTex-індустрії, особливо її ключові гравці – стартапи. Здійснено аналіз окремих новітніх видів фінансових технологій, що пропонуються стартапами. Визначено
перспективи та виклики для розвитку FinTex-ринку в Україні. Introduction. The middle of 2000 years witness the shift in traditional economic develop-
ment models to the concept of inclusive growth. The significant stratification of society and the
growth of the share of the poor population due to financial and economic crises are the pre-
requisites for changing the paradigm of economic development of countries. According to the
index of inclusive economic development (IDI) of 2018, published on the website of the World
Economic Forum, Ukraine ranks 43rd among 74 developing countries. The introduction of the latest financial technologies in the banking system in recent years
has significantly improved the qualitative characteristics of financial inclusiveness. The financial
services market has radically changed. The boom of Finteh-startups is supported by smart-
phone population and penetration into all spheres of society of the fast Internet society.
The purpose of the article is to assess the impact of financial technologies on the inclusive
development of Ukraine in terms of banking sector cooperation with startup companies on the
financial services market.
Results. Concepts on the further development of the world economy in the long-term per-
spective are considered. Based on the analysis of modern economic literature, key points of in-
clusive growth are identified. In this context, the focus of the study is on financial inclusiveness.
The emphasis is on strengthening the financial inclusiveness of the population in the adopted
Strategy of the NBU by 2020. The most current trends of FinTeh in the world are described and
the factors of development of FinTeh in Ukraine are analyzed. The given feature is the latest
types of Finteh start-ups, challenges for the development of the FinTeh-market in Ukraine.
Conclusions. The development of scientific thought and understanding of the transforma-
tion of social processes led to the transition from the concept of economism growth to the con-
cept of inclusive development. The concept of inclusive development of the country is only part
of the scientific discourse. Financial inclusiveness has not only financial but also social orienta-
tion. In Ukraine, FinTeh is in its infancy, the development of which is supported by a variety of
initiatives and activities of the NBU. Given the current market demand, FinTeh solutions that are
focused on financial inclusiveness and the mass market have the greatest potential for growth.2018-01-01T00:00:00Z