БАНКІВСЬКА ДІЯЛЬНІСТЬ В УКРАЇНІ: ПРАВОВИЙ АСПЕКТ
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Дата
2018
Назва журналу
Номер ISSN
Назва тому
Видавець
Одеса: ОДУВС; Херсонський факультет.
Анотація
У статті висвітлено правові аспекти банківської справи в Україні. Підкреслено, що су-
часним правовим полем охоплено всі напрями банківської діяльності, що сприяє макси-
мальному захисту прав та інтересів як клієнтів, так і самих банківських установ. Пред-
ставлено статистичні дані щодо кількості діючих банків на території України за період з
2008 по 2018 рр. Закцентовано увагу, що функціонування банківської системи в правово-
му полі є одним із важливих чинників фінансово-економічного розвитку держави. The article covers the legal aspects of banking in Ukraine. It has been determined that, like
in other branches of law, banking legislation is not perfect, and therefore there is a need to
clarify the existing financial-legal categories and institutions, as well as constant correction in accordance with new modern requirements of society. The circle of domestic scholars who
devote their studies to the various aspects of banking legislation was named. The analysis
of the Ukrainian legislation provides grounds for arguing that such a category as banking
activity is enshrined in the Law of Ukraine “On Banks and Banking Activities” of 2000. It is
emphasized that the current legal field covers all areas of banking activity, which contributes
to the maximum protection of rights and interests, as clients, and the banking institutions
themselves. These are the main regulatory documents regulating the activities of banks in
the territory of Ukraine. It is noted that the banking system of Ukraine is two-tier: the higher
level is the National Bank of Ukraine, the poorer level – state, commercial, nationalized banks,
branches of foreign banks. The main tasks of the central bank outlined in the Law of Ukraine
“On the National Bank of Ukraine” in 1999 were presented in the article.
It is noted that two state-owned banks of Ukraine, Oschadbank, Ukrksimbank and one
commercial PJSC CB Privatbank are recognized as systemically important in Ukraine. The
statistical data on the number of active banks in the territory of Ukraine for the period
from 2008 to 2018 are analyzed. The official statistics of the Ministry of Finance of Ukraine
were analyzed and the conclusion was made that a sharp decrease in the number of banks
in Ukraine occurred in 2016 mainly due to banks with foreign capital. The attention is
paid to the fact that functioning of the banking system in the legal field is a guarantee of
the financial and economic development of our state. The modern achievements are also
outlined: reduction of the number of non-competitive banks in Ukraine; in connection with
Russia's foreign aggressive policy towards Ukraine, there is a ban on banking activities on
Ukrainian territory by Russian banks; the gaps in consumer lending regulation have been
resolved; the main directions of activity of the National Bank of Ukraine are concentrated
in the framework of monitoring compliance with the rules of functioning of the banking
system and its development.
Опис
Ключові слова
законодавство, банківська діяльність, банк, Національний банк України, комерційні банки., legislation, banking, bank, National Bank of Ukraine, commercial banks.
Бібліографічний опис
Кузьменко Ю.В. БАНКІВСЬКА ДІЯЛЬНІСТЬ В УКРАЇНІ: ПРАВОВИЙ АСПЕКТ. Юридичний бюлетень: наук. журн. / редкол.: О.Г. Предместніков та ін. – Одеса: ОДУВС, 2018. Вип. 7. Ч. 2. С. 98 - 102.