Вплив банків з іноземним капіталом на фінансову безпеку банківської системи України

Abstract

В статті розглянуто мотиви та хронологію входження іноземного капіталу в банківську систему України. Проаналізовано основні напрями і схеми діяльності банків з іноземним і українським капіталом. Проведено порівняльну характеристику діяльності банків з іноземним та українським капіталом, а також виокремлено основні напрями негативного впливу діяльності банків з іноземним капіталом на фінансову безпеку банківської системи України. Запропоновано рекомендації щодо розширення позитивних напрямів впливу банків з іноземним капіталом на фінансову безпеку банківської системи України та на вітчизняну економіку в цілому. In the article the reasons and chronology of the entry of foreign capital into the banking system of Ukraine. The Influence of external and internal factors on the current state of the Ukrainian insurance market has been considered. The dynamics of the main indicators of the insurance market of Ukraine has been analyzed. The advantages and disadvantages of the new taxation system of insurance companies have been revealed. The necessity of introducing international experience of regulation of insurance activity in Ukraine has been substantiated. The aim of this study is to develop theoretical and methodological principles of formation of the domestic insurance market in a market economy, analysis and study of approaches to its strategic development. Research methods. The study used general methods of scientific knowledge, a systematic approach to the study of the insurance market, the method of abstraction was applied to identify the nature of the insurance market and its components, the historical method helped to study evolutionary changes in the definition of "insurance market" at different stages of economic structures. In addition, we have used normative methods of logical analysis, comparison and statistical methods as well. The main results of the study lie in developing recommendations to increase capitalization and successful competition of the Ukrainian insurance companies internationally, in particular, promote concentration of insurance market by making changes to the law system concerning statutory capital and guaranteed fund; intensification of bilateral and multilateral agreements between regulator and bodies of insurance supervision of other countries concerning cooperation in insurance (reinsurance) activity; development of certain steps to permit branches of non-resident to the insurance market of Ukraine.