Економічна сутність фінансової стабільності банківської системи

Abstract

У статті поглиблено теоретичні засади забезпечення фінансової стабільності, запропоновано комплексне визначення категорії фінансової стабільності, здійснено розмежування понять “фінансова стабільність банківської системи” та “фінансова стійкість банківської системи”, охарактеризовано основні тенденції появи та прояву ризиків порушення фінансової стабільності банківської системи, узагальнено систему індикаторів фінансової стабільності банківської системи. Background. Financial stability and its security is one of the main problems of economic policy. Sustainability of the financial system is of prime importance, as is the key to raising the general income level of the country and welfare of citizens. Financial stability reflects the systemic nature of the current economic processes: the relationship of financial credit and real sectors of economy, the ability of the national economy to finance the economies of other countries and financial relations between different sectors of the real economy. Given the complexity of all these relationships, achieving and maintaining an acceptable level of financial stability requires an integrated approach to develop appropriate policy measures. Purpose. The aim of the article is to deepen the theoretical and methodological principles to understand the content of the financial stability of the banking system. Results. Theoretical principles of providing the financial stability are studied deeply. Complex determination of category of financial stability is offered. During the financial stability of the banking system is offered to understand a dynamic state, and the impact of any disruption on individual elements or systems in general, not stirred sin exercise effective redistribution of financial resources management and quality functioning of the payment system. The differentiation of concepts "financial stability of the banking system" and "financial firmness of the banking system" is carried out in the paper. In particular, unlike the financial firmness oriented to providing of the optimal state of the banking system upon the certain date or implementation of certain norms, financial stability is an orientation on providing of favorable terms for development of the banking system, prognostication of dynamic tendencies of increase and avoidance of bank crises in the future. The basic tendencies of appearance and display of risks of violation of financial stability are described. The use of effective management system risks, inclusive with efforts of participants of market through a private risk-management and state regulators will give an opportunity to minimize probability of development of financial crisis, and as a result will provide financial stability of the banking system. There are methods of quantitative estimation of financial stability of the banking system, among that is an analytical method of estimation with the use of far of financial indicators. The indicators of financial stability present the necessary statistical basis for a macro prudential analysis, during realization of testing of stress, and also in development of the systems of the early warning (early warning systems). Conclusion. Providing of financial stability of the banking system is basis of stability of the financial system of the state that, in turn, creates soil for stability of national economy. Therefore for providing of financial stability of the banking system formulations of complex determination of concept to financial stability that takes into accountant communication and inter conditionality between the real and financial sectors of economy and influence of macroeconomic politics on indexes bank to the sector are important; an estimation of financial stability of the banking system is in the context of both avoidance of financial crises and from the point of view of management a system risk; realization of analysis of features of the methodical going near the choice of basic indicators of financial stability bank.