Національне бюро кредитування, як інститут поліпшення кредитно-грошової системи України
The National Bureau of lending as an institution for improving credit - monetary system of Ukraine

Summary/Abstract: The main object of the money - credit control by the NBU is the aggregate money supply, which influences the dynamics of economic development main indicators. The mechanism of the NBU monetary - credit policy involves primarily the impact on the credit activities of the commercial banks.The aim of the article is to elucidate the basic principles of credit - monetary policy in Ukraine and abroad, the NBU and commercial banks activities during the crisis and in a competitive environment anddetermine the waysof its improvement.In recent years, under the influence of the financial crisis the chronic problems of the bankingsector have worsened, namely internal disparities of economic development, which led to the reduction in investments,consumer finance advantage over production, lack of funding and its dependence on externalborrowing,increasingthescaleofdollarizationoftheeconomy.As the main monetary - credit controller - the NBU by its actions actually could not stop the negativetrends for individual deposits and received ineffective solution to maintain the liquidity of the commercialbanks, there is a need to find new socio - economic structures that will reduce credit - financial risks within bankingsystem.In the article the feasibility of establishing the National Bureau of lending has been grounded, the main responsibilities of the Bureau include:- Maintainingoverallcredithistoryofeachbank's customer;-Insurance of loan defaults that will reduce risk in the credit sector and will act incentive to reduceinterestratesonloans;-Theprotectionof consumerswho use credit and are bona fide taxpayer’s debt.It is offered to involve widely Ukrainian insurance companiesto lending, which reduces lending transactions risk. Moreover, the improvement of relations between СВ and the NDU will reduce the risk of loandefaults,ensuretransparencyoftherefinancing process.The proposed commercial institution should work closely with the insurance market, audit companies, and at the same time it must be independent and not a part of the state banking system. The ways and conditions of the National Bureau require significant funds, the amount of which should be carefully justify, but future benefits, as the authors believe, will exceed the costs.

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