{"id":10114,"date":"2021-12-03T08:11:12","date_gmt":"2021-12-03T06:11:12","guid":{"rendered":"http:\/\/journals.khnu.km.ua\/vestnik\/?p=10114"},"modified":"2022-03-23T13:49:05","modified_gmt":"2022-03-23T11:49:05","slug":"regional-banks-as-a-necessary-tool-to-stimulate-social-and-economic-development-of-the-regions-of-ukraine","status":"publish","type":"post","link":"https:\/\/journals.khnu.km.ua\/vestnik\/?p=10114","title":{"rendered":"Regional banks as a necessary tool to stimulate social and economic development of the regions of Ukraine"},"content":{"rendered":"<p><!--more--><\/p>\n<p style=\"text-align: center;\">REGIONAL BANKS AS A NECESSARY TOOL TO STIMULATE SOCIAL AND ECONOMIC DEVELOPMENT OF THE REGIONS OF UKRAINE<\/p>\n<p style=\"text-align: center;\"><span style=\"font-size: 1rem;\">\u0420\u0415\u0413\u0406\u041e\u041d\u0410\u041b\u042c\u041d\u0406 \u0411\u0410\u041d\u041a\u0418 \u042f\u041a \u041d\u0415\u041e\u0411\u0425\u0406\u0414\u041d\u0418\u0419 \u0406\u041d\u0421\u0422\u0420\u0423\u041c\u0415\u041d\u0422 \u0421\u0422\u0418\u041c\u0423\u041b\u042e\u0412\u0410\u041d\u041d\u042f \u0421\u041e\u0426\u0406\u0410\u041b\u042c\u041d\u041e-\u0415\u041a\u041e\u041d\u041e\u041c\u0406\u0427\u041d\u041e\u0413\u041e \u0420\u041e\u0417\u0412\u0418\u0422\u041a\u0423 \u0420\u0415\u0413\u0406\u041e\u041d\u0406\u0412 \u0423\u041a\u0420\u0410\u0407\u041d\u0418<\/span><\/p>\n<p><strong><a href=\"http:\/\/journals.khnu.km.ua\/vestnik\/wp-content\/uploads\/2022\/03\/2021-en-52-17.pdf\"> <img loading=\"lazy\" class=\"size-full wp-image-69 alignnone\" src=\"http:\/\/journals.khnu.km.ua\/vestnik\/wp-content\/uploads\/2021\/01\/pdf.png\" alt=\"\" width=\"76\" height=\"32\" \/><\/a>   \u0421\u0442\u043e\u0440\u0456\u043d\u043a\u0438: 108-113. \u041d\u043e\u043c\u0435\u0440: \u2116<\/strong><strong>5, <\/strong><strong>\u0422\u043e\u043c 2, 202<\/strong><strong>1 (2<\/strong><strong>98)<\/strong><\/p>\n<p><strong>\u0410\u0432\u0442\u043e\u0440\u0438:<\/strong><\/p>\n<p>MYKOLA KOVALENKO<br \/>\nORCID ID: 0000-0003-2845-6993.<br \/>\ne-mail: kovnn1@gmail.com<br \/>\nN.\u00a0Karazin Kharkiv National University<br \/>\nHALYNA PASEMKO<br \/>\nORCID ID: 0000-0002-4648-3314<br \/>\ne-mail: pasemko.gal@gmail.com<br \/>\nMYKOLA KOVALENKO<br \/>\nORCID ID: 0000-0003-4793-8656<br \/>\ne-mail: kovnn1@gmail.com<br \/>\nOLEKSANDR NAKISKO<br \/>\nORCID ID: 0000-0003-3789-2455<br \/>\ne-mail: nakisko307@gmail.com<br \/>\nSERHII RUDENKO<br \/>\nORCID ID: 0000-0002-2874-1957<br \/>\ne-mail: svr13@btu.kharkov.ua<br \/>\nState Biotechnological University<\/p>\n<p>\u041a\u041e\u0412\u0410\u041b\u0415\u041d\u041a\u041e \u041c. \u041c.<br \/>\n\u0425\u0430\u0440\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0439 \u043d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0438\u0439 \u0443\u043d\u0456\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442 \u0456\u043c\u0435\u043d\u0456 \u0412. \u041d. \u041a\u0430\u0440\u0430\u0437\u0456\u043d\u0430<br \/>\n\u041f\u0410\u0421\u0415\u041c\u041a\u041e \u0413. \u041f., \u041a\u041e\u0412\u0410\u041b\u0415\u041d\u041a\u041e \u041c. \u0406.,<br \/>\n\u041d\u0410\u041a\u0406\u0421\u042c\u041a\u041e \u041e. \u0412., \u0420\u0423\u0414\u0415\u041d\u041a\u041e \u0421. \u0412.<br \/>\n\u0414\u0435\u0440\u0436\u0430\u0432\u043d\u0438\u0439 \u0431\u0456\u043e\u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0456\u0447\u043d\u0438\u0439 \u0443\u043d\u0456\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442<\/p>\n<p><strong>DOI<\/strong><strong>:<\/strong>\u00a0<a href=\"https:\/\/www.doi.org\/10.31891\/2307-5740-2021-298-5(2)-17\">https:\/\/www.doi.org\/10.31891\/2307-5740-2021-298-5(2)-17<\/a><br \/>\n<strong>\u041d\u0430\u0434\u0456\u0439\u0448\u043b\u0430 \/ Paper received : <\/strong>03.08.2021<br \/>\n<strong>\u041d\u0430\u0434\u0440\u0443\u043a\u043e\u0432\u0430\u043d\u0430 \/ Paper Printed :<\/strong> 04.10.2021<\/p>\n<p style=\"text-align: center;\"><strong>\u0410\u043d\u043e\u0442\u0430\u0446\u0456\u044f \u0430\u043d\u0433\u043b\u0456\u0439\u0441\u044c\u043a\u043e\u044e \u043c\u043e\u0432\u043e\u044e<\/strong><\/p>\n<p>\u00a0 \u00a0 \u00a0 \u00a0The role and importance of regional banks in stimulating the socio-economic development of the regions of Ukraine were investigated. The author&#8217;s vision of such definitions as regional banks and the regional banking system is offered. It is established that the regional banking system of Ukraine has undergone a significant reduction in recent years and has a very small share of assets, liabilities, and capital in the total banking system of the country. It is proved that the National Bank of Ukraine does not take into account the importance of having a regional banking system and ensuring the balanced socio-economic development of the regions of Ukraine. Examples of the organization of banking business of the USA and Germany are given. It is substantiated that regional banks can be full-fledged subjects of the modern banking system only with some support from the NBU and local authorities.<\/p>\n<p><strong>\u00a0 \u00a0 \u00a0 \u00a0Keywords:<\/strong> regional banks, National Bank of Ukraine, regional banking system, socio-economic development, state support of the regional banking system.<\/p>\n<p style=\"text-align: center;\"><strong>\u0420\u043e\u0437\u0448\u0438\u0440\u0435\u043d\u0430 \u0430\u043d\u043e\u0442\u0430\u0446\u0456\u044f \u0443\u043a\u0440\u0430\u0457\u043d\u0441\u044c\u043a\u043e\u044e \u043c\u043e\u0432\u043e\u044e<\/strong><\/p>\n<p>\u00a0 \u00a0 \u00a0 \u00a0\u0423 \u0441\u0442\u0430\u0442\u0442\u0456 \u0437\u0434\u0456\u0439\u0441\u043d\u0435\u043d\u043e \u0430\u043d\u0430\u043b\u0456\u0437 \u0434\u0456\u044f\u043b\u044c\u043d\u043e\u0441\u0442\u0456 \u0440\u0435\u0433\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0438\u0445 \u0431\u0430\u043d\u043a\u0456\u0432 \u0432 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\u0440\u043e\u0437\u0432\u0438\u0442\u043a\u0443 \u0456\u043d\u043d\u043e\u0432\u0430\u0446\u0456\u0439\u043d\u043e\u0457 \u0435\u043a\u043e\u043d\u043e\u043c\u0456\u043a\u0438 \u0432 \u0440\u0435\u0433\u0456\u043e\u043d\u0430\u0445, \u044f\u043a\u0449\u043e \u0432\u043e\u043d\u0438 \u0431\u0443\u0434\u0443\u0442\u044c \u0432\u0438\u0434\u0430\u0432\u0430\u0442\u0438\u0441\u044f \u043f\u0456\u0434\u043f\u0440\u0438\u0454\u043c\u0441\u0442\u0432\u0430\u043c, \u0437 \u044f\u043a\u0438\u043c\u0438 \u0431\u0430\u043d\u043a\u0438 \u0437\u043d\u0430\u0445\u043e\u0434\u044f\u0442\u044c\u0441\u044f \u0432 \u0442\u0456\u0441\u043d\u043e\u043c\u0443 \u0456 \u0442\u0440\u0438\u0432\u0430\u043b\u043e\u043c\u0443 \u0432\u0437\u0430\u0454\u043c\u043e\u0432\u0438\u0433\u0456\u0434\u043d\u043e\u043c\u0443 \u0441\u043f\u0456\u0432\u0440\u043e\u0431\u0456\u0442\u043d\u0438\u0446\u0442\u0432\u0456. \u041e\u0431\u0491\u0440\u0443\u043d\u0442\u043e\u0432\u0430\u043d\u043e, \u0449\u043e \u0440\u0435\u0433\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0456 \u0431\u0430\u043d\u043a\u0438 \u043c\u043e\u0436\u0443\u0442\u044c \u0431\u0443\u0442\u0438 \u043f\u043e\u0432\u043d\u043e\u043f\u0440\u0430\u0432\u043d\u0438\u043c\u0438 \u0441\u0443\u0431\u2019\u0454\u043a\u0442\u0430\u043c\u0438 \u0441\u0443\u0447\u0430\u0441\u043d\u043e\u0457 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u0438 \u043b\u0438\u0448\u0435 \u043f\u0440\u0438 \u043d\u0430\u044f\u0432\u043d\u043e\u0441\u0442\u0456 \u043f\u0435\u0432\u043d\u043e\u0457 \u043f\u0456\u0434\u0442\u0440\u0438\u043c\u043a\u0438 \u0437 \u0431\u043e\u043a\u0443 \u041d\u0411\u0423 \u0442\u0430 \u043c\u0456\u0441\u0446\u0435\u0432\u0438\u0445 \u043e\u0440\u0433\u0430\u043d\u0456\u0432 \u0432\u043b\u0430\u0434\u0438.<\/p>\n<p><strong>\u00a0 \u00a0 \u00a0 \u041a\u043b\u044e\u0447\u043e\u0432\u0456 \u0441\u043b\u043e\u0432\u0430:<\/strong> \u0440\u0435\u0433\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0456 \u0431\u0430\u043d\u043a\u0438, \u041d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0438\u0439 \u0431\u0430\u043d\u043a \u0423\u043a\u0440\u0430\u0457\u043d\u0438, \u0440\u0435\u0433\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0430 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0430 \u0441\u0438\u0441\u0442\u0435\u043c\u0430, \u0441\u043e\u0446\u0456\u0430\u043b\u044c\u043d\u043e-\u0435\u043a\u043e\u043d\u043e\u043c\u0456\u0447\u043d\u0438\u0439 \u0440\u043e\u0437\u0432\u0438\u0442\u043e\u043a, \u0434\u0435\u0440\u0436\u0430\u0432\u043d\u0430 \u043f\u0456\u0434\u0442\u0440\u0438\u043c\u043a\u0430 \u0440\u0435\u0433\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0457 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u043e\u0457 \u0441\u0438\u0441\u0442\u0435\u043c\u0438.<\/p>\n<p style=\"text-align: center;\"><strong>References<\/strong><\/p>\n<ol>\n<li>Official site of NBU. Main performance indicators of Ukrainian banks. Available at: https:\/\/bank.gov.ua\/statistic\/supervision-statist\/data-supervision#1.<\/li>\n<li>Kovalenko M. M., Kovalenko M. I. Stan ta perspektyvy rozvytku rehionalnoi bankivskoi systemy Ukrainy v suchasnykh umovakh. Aktualni problemy derzhavnoho upravlinnia : zb. nauk. prats. Kh.: Vyd-vo KharRI NADU \u00abMahistr\u00bb, 2020. \u2116 1. (57). S. 123\u02d7134.<\/li>\n<li>Havrylko T. O., Bilkovska D. I. Rehionalni rynky bankivskykh posluh. Problemy systemnoho pidkhodu v ekonomitsi. 2016. Vyp. 2. S. 60-64.<\/li>\n<li>Hasii O. V. Osoblyvosti transformatsii bankivskoi systemy Ukrainy: rehionalnyi aspekt. Visnyk Odeskoho natsionalnoho universytetu. Seriia: Ekonomika. 2017. T. 22, vyp. 1. S. 135-139.<\/li>\n<li>Zavadska D., Kharkhardina D.\u00a0Yu. Analiz rehionalnoi bankivskoi systemy Odeskoho rehionu. Ekonomichnyi visnyk Zaporizkoi derzhavnoi inzhenernoi akademii. 2016. Vyp. 6 (2). S. 104-108.<\/li>\n<li>Leshchukh I. V. Priorytety rozvytku rehionalnykh bankiv Zakhidnoi Ukrainy v systemi \u00abmetropoliia \u2013 peryferiia\u00bb. Finansy Ukrainy. 2015. \u2116 7. S. 86-97<\/li>\n<li>Official site of NBU. Regional breakdown by number of operating structural subdivisions of banks (excluding insolvent banks). Available at: <a href=\"https:\/\/bank.gov.ua\/statistic\/sector-financial\/data-sector-financial#2fs\">https:\/\/bank.gov.ua\/statistic\/sector-financial\/data-sector-financial#2fs<\/a>.<\/li>\n<li>Herasymchuk Z. V., Homaniuk O. K. Analiz rozvytku rehionalnykh rynkiv bankivskykh posluh v Ukraini. Ekonomika i rehion. 2016. \u2116 1. S. 11-16.<\/li>\n<li>Hirst M., Grimshaw S., McPhee J., Nesbitt J. Levelling the playing field Regional banks\u2019 submission to the financial system inquiry. March 2014. Available at: <a href=\"https:\/\/www.boq.com.au\/uploadedFiles\/\">https:\/\/www.boq.com.au\/uploadedFiles\/<\/a>AboutUs\/Regional%20Bank%20FSI%20Submission_FINAL.pdf.<\/li>\n<li>Bail M., Holmes S.\u00a0E. Holmes The regional banks: The evolution of the financial sector, Part II. August 2015. URL: https:\/\/www.brookings.edu\/research\/the-regional-banks-the-evolution-of-the-financial-sector-part-ii\/.<\/li>\n<li>Hakenes H., Schmidt R. H., Xie R. Regional Banks and Economic Development: Evidence from German Savings Banks. SSRN Electronic Journal. 2009 (02). 30 p. Available at: http: \/\/www.wiwi.uni-frankfurt.de\/profs\/schlag\/dgf2009\/Contribution128.pdf.<\/li>\n<li>Kopyliuk O., Tymchyshyn Yu. Formuvannia rehionalnoi polityky rozvytku bankivskoi systemy Ukrainy v konteksti subsydiarnosti natsionalnoho ta rehionalnoho rivniv. Ekonomichnyi dyskurs. 2016. Vyp. 2. S. 101-110.<\/li>\n<li>Fedoseeva V. Uroven institucionalnogo razvitiya regionalnyh bankov kak faktor ekonomicheskogo rosta subektov RF. Finansovyj zhurnal. 2013. \u2116 2. S. 141\u02d7151.<\/li>\n<li>Ziegler W. Die Sparkassen und ihre Zukunft. Banken in Deutschland. Leske+Budrich,Opladen. 1998.<\/li>\n<li>Porter M. On Competition, Boston: Harvard Business School, 1998.<\/li>\n<li>Industrial revolution: how the Swiss MEM cluster works. Available at: <a href=\"https:\/\/www.s-ge.com\/en\/article\/news\/20174-mem-cluster-0\">https:\/\/www.s-ge.com\/en\/article\/news\/20174-mem-cluster-0<\/a>.<\/li>\n<li>LFA F\u00f6rderbank Bayern (offizielle Seite). F\u00f6rderangebote. Available at: <a href=\"https:\/\/lfa.de\/website\/de\/foerderangebote\/gruendung\/index.php\">https:\/\/lfa.de\/website\/de\/foerderangebote\/gruendung\/index.php<\/a>.<\/li>\n<li>LFA F\u00f6rderbank Bayern Bayern (offizielle Seite). WIR \u00dcBER UNS. Available at: <a href=\"https:\/\/lfa.de\/website\/de\/lfa\/zahlen\/index.php\">https:\/\/lfa.de\/website\/de\/lfa\/zahlen\/index.php<\/a>.<\/li>\n<li>Kovalenko M. Derzhava ta bankivskyi sektor: realistychna orhanizatsiia vzaiemodii : monohrafiia. Kharkiv : Tim Publishing Group, 2015. 332 s.<\/li>\n<li>Musaev R., Kleshko D.\u00a0V. Mery gosudarstvennoj podderzhki regionalnyh bankov. Ekonomist. 2016. \u2116\u00a04. S. 66-74.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[56],"tags":[],"_links":{"self":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/10114"}],"collection":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10114"}],"version-history":[{"count":6,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/10114\/revisions"}],"predecessor-version":[{"id":11524,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/10114\/revisions\/11524"}],"wp:attachment":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10114"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10114"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10114"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}