Stimulators of credit activity of banking institutions

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dc.contributor.authorVyhovska, Nataliia
dc.contributor.authorLysenok, Oleksii
dc.contributor.authorHranovska, Viktoriia
dc.contributor.authorKrykunova, Viktoriia
dc.date.accessioned2021-08-20T11:05:01Z
dc.date.available2021-08-20T11:05:01Z
dc.date.issued2021
dc.description.abstractThe 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.uk_UA
dc.identifier.citationStimulators 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.uk_UA
dc.identifier.urihttps://dspace.nuft.edu.ua/handle/123456789/35002
dc.language.isoenuk_UA
dc.subjectcredit resourcesuk_UA
dc.subjectborrowersuk_UA
dc.subjectbanking systemuk_UA
dc.subjectexchange rateuk_UA
dc.subjectcredit risksuk_UA
dc.subjectcredit stimulatorsuk_UA
dc.subjectcreditworthinessuk_UA
dc.subjectкредитні ресурсиuk_UA
dc.subjectвалютний курсuk_UA
dc.subjectбанківська системаuk_UA
dc.subjectкредитні ризикиuk_UA
dc.subjectстимулятори кредитуванняuk_UA
dc.subjectпозичальникиuk_UA
dc.subjectкредитоспроможністьuk_UA
dc.subjectкафедра фінансівuk_UA
dc.titleStimulators of credit activity of banking institutionsuk_UA
dc.typeArticleuk_UA

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