Stimulators of credit activity of banking institutions
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Файли
Дата
2021
ORCID
DOI
Науковий ступінь
Рівень дисертації
Шифр та назва спеціальності
Рада захисту
Установа захисту
Науковий керівник
Члени комітету
Видавець
Анотація
The functioning of the banking system, in the face of financial and economic shocks, is gaining global scale, and requires banking institutions to guarantee financial stability. The aim of the article is to consider the regulators of credit activity of banking institutions in the interbank market and the debt obligations of Ukrainian borrowers. A comprehensive methodological approach to assessing the stimulators of credit activity of banking institutions, which allows to model macroeconomic and local factors of credit risks of borrowers, scenarios for servicing their debt, given the safe level of profitability, liquidity in the interbank market in the current period is implemented. A comprehensive methodological approach to assessing the stimulators of credit activity of banking institutions on the basis of cognitive analysis and modeling of factors of the banking system, which are determined by stress testing when the exchange rate is changing. Interest rate fluctuations in the interbank market and liquidity in the country is proposed. The model of a complex assessment by a banking institution of the credit risk of a debtor-financial company when servicing its debt on the interbank market is presented. The cognitive analysis is carried out and the cognitive map of stimulators of crediting of the economy of Ukraine by banking institutions is constructed. Optimistic and pessimistic scenarios for changes in the lending activity of the banking system were identified, the growth of loans to residents was chosen as a desirable situation, taking into account the impact of inflation and devaluation of the hryvnia, as well as the growth index of the banking system. The integrated indicator of creditworthiness of borrowers and the relationship between quantitative and qualitative indicators of credit risk with a factor load on debt service by financial companies of Ukraine are calculated.
Опис
Ключові слова
credit resources, borrowers, banking system, exchange rate, credit risks, credit stimulators, creditworthiness, кредитні ресурси, валютний курс, банківська система, кредитні ризики, стимулятори кредитування, позичальники, кредитоспроможність, кафедра фінансів
Бібліографічний опис
Stimulators of credit activity of banking institutions / N. Vyhovska, O. Lysenok, V. Hranovska, V. Krykunova // Universal Journal of Accounting and Finance. – 2021. – Vol. 9, №. 4. – P. 623–636.