{"id":3433,"date":"2021-01-30T22:16:16","date_gmt":"2021-01-30T20:16:16","guid":{"rendered":"http:\/\/journals.khnu.km.ua\/vestnik\/?p=3433"},"modified":"2021-03-11T09:45:50","modified_gmt":"2021-03-11T07:45:50","slug":"%d0%bc%d0%be%d0%b4%d0%b5%d0%bb%d1%96-%d0%b0%d0%bd%d0%b0%d0%bb%d1%96%d0%b7%d1%83-%d1%82%d0%b0-%d0%be%d1%86%d1%96%d0%bd%d0%ba%d0%b8-%d0%b4%d1%96%d1%8f%d0%bb%d1%8c%d0%bd%d0%be%d1%81%d1%82%d1%96-%d0%b1","status":"publish","type":"post","link":"https:\/\/journals.khnu.km.ua\/vestnik\/?p=3433","title":{"rendered":"\u041c\u043e\u0434\u0435\u043b\u0456 \u0430\u043d\u0430\u043b\u0456\u0437\u0443 \u0442\u0430 \u043e\u0446\u0456\u043d\u043a\u0438 \u0434\u0456\u044f\u043b\u044c\u043d\u043e\u0441\u0442\u0456 \u0431\u0430\u043d\u043a\u0456\u0432 \u0432 \u0443\u043c\u043e\u0432\u0430\u0445 \u043d\u0435\u0441\u0442\u0430\u0431\u0456\u043b\u044c\u043d\u043e\u0433\u043e \u0435\u043a\u043e\u043d\u043e\u043c\u0456\u0447\u043d\u043e\u0433\u043e \u0441\u0435\u0440\u0435\u0434\u043e\u0432\u0438\u0449\u0430"},"content":{"rendered":"<p><!--more--><\/p>\n<p style=\"text-align: center;\">\u041c\u041e\u0414\u0415\u041b\u0406 \u0410\u041d\u0410\u041b\u0406\u0417\u0423 \u0422\u0410 \u041e\u0426\u0406\u041d\u041a\u0418 \u0414\u0406\u042f\u041b\u042c\u041d\u041e\u0421\u0422\u0406 \u0411\u0410\u041d\u041a\u0406\u0412 \u0412 \u0423\u041c\u041e\u0412\u0410\u0425 \u041d\u0415\u0421\u0422\u0410\u0411\u0406\u041b\u042c\u041d\u041e\u0413\u041e \u0415\u041a\u041e\u041d\u041e\u041c\u0406\u0427\u041d\u041e\u0413\u041e \u0421\u0415\u0420\u0415\u0414\u041e\u0412\u0418\u0429\u0410<\/p>\n<p style=\"text-align: center;\">MODELS OF ANALYSIS AND EVALUATION OF BANKS IN AN UNSTABLE ECONOMIC ENVIRONMENT<\/p>\n<p><strong><a href=\"http:\/\/journals.khnu.km.ua\/vestnik\/wp-content\/uploads\/2021\/01\/9-19.pdf\"><img src=\"http:\/\/journals.khnu.km.ua\/vestnik\/wp-content\/uploads\/2021\/01\/pdf.png\" \/><\/a> \u0421\u0442\u043e\u0440\u0456\u043d\u043a\u0438: 41-45. \u041d\u043e\u043c\u0435\u0440: \u2116<\/strong><strong>4, \u0422\u043e\u043c 1, 2020 (28<\/strong><strong>4)<\/strong><\/p>\n<p><strong>\u0410\u0432\u0442\u043e\u0440\u0438:<\/strong><br \/>\n\u0411\u043b\u0430\u0433\u0443\u043d \u0406. \u0421., \u0411\u0443\u0440\u0442\u043d\u044f\u043a \u0406. \u0412.<br \/>\n\u0414\u0412\u041d\u0417 \u00ab\u041f\u0440\u0438\u043a\u0430\u0440\u043f\u0430\u0442\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. \u0412. \u0421\u0442\u0435\u0444\u0430\u043d\u0438\u043a\u0430\u00bb<\/p>\n<p>Blagun I., Burtnyak I.<br \/>\nPrecarpathian V. Stefanyk National University<\/p>\n<p><strong>DOI<\/strong><strong>:<\/strong>\u00a0<a href=\"https:\/\/www.doi.org\/10.31891\/2307-5740-2020-284-4-7\">https:\/\/www.doi.org\/10.31891\/2307-5740-2020-284-4-7<\/a><br \/>\n<strong>\u041d\u0430\u0434\u0456\u0439\u0448\u043b\u0430 \/ Paper received :<\/strong> 29.06.2020<br \/>\n<strong>\u041d\u0430\u0434\u0440\u0443\u043a\u043e\u0432\u0430\u043d\u0430 \/ Paper Printed :<\/strong> 28.09.2020<\/p>\n<p style=\"text-align: center;\"><strong>\u0410\u043d\u043e\u0442\u0430\u0446\u0456\u044f \u043c\u043e\u0432\u043e\u044e \u043e\u0440\u0438\u0433\u0456\u043d\u0430\u043b\u0443<\/strong><\/p>\n<p>\u041f\u0440\u043e\u0432\u0435\u0434\u0435\u043d\u043e \u0430\u043d\u0430\u043b\u0456\u0437 \u043c\u043e\u0434\u0435\u043b\u0435\u0439 \u0434\u0456\u044f\u043b\u044c\u043d\u043e\u0441\u0442\u0456 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0445 \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440 \u0432 \u0443\u043c\u043e\u0432\u0430\u0445 \u0434\u043e\u0441\u043a\u043e\u043d\u0430\u043b\u043e\u0457 \u0456 \u043d\u0435\u0434\u043e\u0441\u043a\u043e\u043d\u0430\u043b\u043e\u0457 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0446\u0456\u0457. \u0420\u043e\u0437\u0433\u043b\u044f\u043d\u0443\u0442\u043e \u0432\u0438\u0440\u043e\u0431\u043d\u0438\u0447\u0456 \u0444\u0443\u043d\u043a\u0446\u0456\u0457 \u0434\u043b\u044f \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0439. \u041e\u043f\u0438\u0441\u0430\u043d\u043e \u043c\u043e\u0434\u0435\u043b\u0456 \u0440\u043e\u0431\u043e\u0442\u0438 \u0431\u0430\u043d\u043a\u0443 \u044f\u043a \u0443\u0441\u0442\u0430\u043d\u043e\u0432\u0438 \u0434\u0435\u043b\u0435\u0433\u043e\u0432\u0430\u043d\u043e\u0433\u043e \u043c\u043e\u043d\u0456\u0442\u043e\u0440\u0438\u043d\u0433\u0443. \u041f\u0440\u043e\u0430\u043d\u0430\u043b\u0456\u0437\u043e\u0432\u0430\u043d\u043e \u043c\u043e\u0434\u0435\u043b\u0456 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\u0420\u043e\u0437\u0433\u043b\u044f\u043d\u0443\u0442\u0456 \u043c\u043e\u0434\u0435\u043b\u0456 \u0456 \u043c\u0435\u0442\u043e\u0434\u0438 \u0431\u0430\u0437\u0443\u044e\u0442\u044c\u0441\u044f \u043d\u0430 \u0432\u0438\u0437\u043d\u0430\u0447\u0435\u043d\u043d\u0456 \u0431\u0430\u043d\u043a\u0443 (\u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0457 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u0457) \u044f\u043a \u0434\u0435\u044f\u043a\u043e\u0433\u043e \u0430\u0431\u0441\u0442\u0440\u0430\u043a\u0442\u043d\u043e\u0433\u043e \u043e\u0431&#8217;\u0454\u043a\u0442\u0443, \u0449\u043e \u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440\u0438\u0437\u0443\u0454\u0442\u044c\u0441\u044f \u0432\u0445\u0456\u0434\u043d\u0438\u043c\u0438 \u0456 \u0432\u0438\u0445\u0456\u0434\u043d\u0438\u043c\u0438 \u043f\u0430\u0440\u0430\u043c\u0435\u0442\u0440\u0430\u043c\u0438, \u0430 \u0442\u0430\u043a\u043e\u0436 \u0444\u0443\u043d\u043a\u0446\u0456\u0454\u044e, \u044f\u043a\u0430 \u0457\u0445 \u043f\u043e\u0432\u2019\u044f\u0437\u0443\u0454. \u0422\u0430\u043a\u0438\u0439 \u043f\u0456\u0434\u0445\u0456\u0434 \u0432 \u043f\u0435\u0432\u043d\u0456\u0439 \u043c\u0456\u0440\u0456 \u0434\u0430\u0454 \u0437\u043c\u043e\u0433\u0443 \u0430\u0434\u0430\u043f\u0442\u0443\u0432\u0430\u0442\u0438 \u0442\u0440\u0430\u0434\u0438\u0446\u0456\u0439\u043d\u0456 \u043c\u043e\u0434\u0435\u043b\u0456 \u0434\u043e\u0441\u043b\u0456\u0434\u0436\u0435\u043d\u043d\u044f \u0432\u0438\u0440\u043e\u0431\u043d\u0438\u0447\u0438\u0445 \u043f\u0456\u0434\u043f\u0440\u0438\u0454\u043c\u0441\u0442\u0432 \u0456 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0439 \u0434\u043e \u0430\u043d\u0430\u043b\u0456\u0437\u0443 \u0434\u0456\u044f\u043b\u044c\u043d\u043e\u0441\u0442\u0456 \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u0438\u0445 \u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440. \u0422\u043e\u043c\u0443, \u043e\u0434\u043d\u0438\u043c \u0456\u0437 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\u043d\u0435\u0441\u0442\u0430\u0431\u0456\u043b\u044c\u043d\u0456\u0439 \u0435\u043a\u043e\u043d\u043e\u043c\u0456\u0446\u0456 \u043f\u0435\u0440\u0435\u0445\u0456\u0434\u043d\u043e\u0433\u043e \u0442\u0438\u043f\u0443 \u0442\u0430 \u0437\u0430\u0441\u0442\u043e\u0441\u0443\u0432\u0430\u043d\u043d\u044f \u0435\u043a\u043e\u043d\u043e\u043c\u0456\u043a\u043e-\u043c\u0430\u0442\u0435\u043c\u0430\u0442\u0438\u0447\u043d\u0438\u0445 \u043c\u0435\u0442\u043e\u0434\u0456\u0432 \u0456 \u043c\u043e\u0434\u0435\u043b\u0435\u0439 \u0434\u043b\u044f \u0434\u043e\u0441\u043b\u0456\u0434\u0436\u0435\u043d\u043d\u044f \u043f\u0440\u043e\u0446\u0435\u0441\u0456\u0432, \u0449\u043e \u043f\u0440\u043e\u0442\u0456\u043a\u0430\u044e\u0442\u044c \u0443 \u0431\u0430\u043d\u043a\u0443, \u043e\u0446\u0456\u043d\u043a\u0438 \u0435\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0456 \u0439\u043e\u0433\u043e \u0440\u043e\u0431\u043e\u0442\u0438, \u0432\u0438\u044f\u0432\u043b\u0435\u043d\u043d\u044f \u043d\u0430\u043f\u0440\u044f\u043c\u043a\u0456\u0432 \u0456 \u0441\u043f\u043e\u0441\u043e\u0431\u0456\u0432 \u0432\u0434\u043e\u0441\u043a\u043e\u043d\u0430\u043b\u0435\u043d\u043d\u044f \u0443\u043f\u0440\u0430\u0432\u043b\u0456\u043d\u043d\u044f \u0431\u0430\u043d\u043a\u0456\u0432\u0441\u044c\u043a\u043e\u044e \u0434\u0456\u044f\u043b\u044c\u043d\u0456\u0441\u0442\u044e.<br \/>\n<strong>\u041a\u043b\u044e\u0447\u043e\u0432\u0456 \u0441\u043b\u043e\u0432\u0430:<\/strong> \u0431\u0430\u043d\u043a, \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0456\u044f, \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0438\u0439 \u0440\u0438\u043d\u043e\u043a, \u0434\u043e\u0441\u043a\u043e\u043d\u0430\u043b\u0430 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0446\u0456\u044f, \u0432\u0438\u0440\u043e\u0431\u043d\u0438\u0447\u0430 \u0444\u0443\u043d\u043a\u0446\u0456\u044f, \u043c\u043e\u043d\u0456\u0442\u043e\u0440\u0438\u043d\u0433.<\/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 \u0430\u043d\u0433\u043b\u0456\u0439\u0441\u044c\u043a\u043e\u044e \u043c\u043e\u0432\u043e\u044e<\/strong><\/p>\n<p>The analysis of models of activity of banking structures in the conditions of perfect and imperfect competition was carried out by the authors. Production functions for financial companies were considered. Models of the bank&#8217;s work as an institution of delegated monitoring were described. Models of the dynamics of financial resources were analyzed, which allow to describe the processes of evolution of the bank &#8216;s equity depending on the dynamics of the attracted resources and the accumulation policy implemented by it. The considered models and methods are based on the definition of a bank (financial company) as an abstract object, characterized by input and output parameters, as well as the function that connects them. This approach to some extent makes it possible to adapt traditional research models of manufacturing enterprises and organizations to the analysis of banking structures. Therefore, one of the main tasks is to optimize the internal functioning. Under such conditions, it is especially important to consider the bank as a holistic complex dynamic system operating in an unstable transition economy and the use of economic and mathematical methods and models to study the processes taking place in the bank, assess its effectiveness, identify areas and ways to improve management banking activities.<br \/>\n<strong>Key words:<\/strong> bank, financial company, financial market, perfect competition, production function, monitoring.<\/p>\n<p style=\"text-align: center;\"><strong>\u041b\u0456\u0442\u0435\u0440\u0430\u0442\u0443\u0440\u0430<\/strong><\/p>\n<ol>\n<li>Allen F. The market for information and the origin of financial intermediation. Journal of financial intermediation. 1990. Vol. 1. P.\u00a03\u201330.<\/li>\n<li>Bell F.W., Murphy N.B. Economies of scale and division of labor commercial banking. National Banking Review. 1968. Vol. 5. P.\u00a0131\u2013139.<\/li>\n<li>Benston G.I. Branch banking and economies of scale. Journal of Finance. 1965. Vol. 20. P. 312\u2013331.<\/li>\n<li>Benston G.I., Hanweck G.A., Humphrey D. Scale economies in banking. Journal of Money, Credit and Banking. 1982. Vol. 14(1). P. 435\u2013546.<\/li>\n<li>Benston G., Smith C. W. A transaction cost approach to the theory of financial intermediation. The Journal of Finance. 1976. Vol.\u00a031. P. 215\u2013231.<\/li>\n<li>Bhattacharya S., Chiesa G. Proprietary information, financial intermediation and research incentives. Journal of Financial Intermediation. 1995. Vol. 4. P. 328\u2013357.<\/li>\n<li>Campbell T.S., Kracaw W.A. Information production, market signalling, and the theory of financial intermediation. Journal of Finance. 1980. Vol. 35. P. 863\u2013882.<\/li>\n<li>Chamberlin E. Theory of monopolistic competition. Harvard University Printing Office, 1933.<\/li>\n<li>Diamond D. Financial intermediation and delegated monitoring. Review of economic studies. 1984. Vol. 51. P. 393\u2013414.<\/li>\n<li>Diamond D. Monitoring and reputation: The choice between bank loans and directly placed debt. Journal of Political Economy. 1991. Vol. 99. P. 689\u2013721.<\/li>\n<li>Gorton G., Pennachi G. Financial intermediaries and liquidity creation. Journal of Finance. 1990. Vol. 45. P. 49\u201371.<\/li>\n<li>Grossman S.J., Stiglitz J. On the impossibility of informationally efficient markets. American Economic Review. 1980. Vol. 70. P.\u00a0393\u2013408.<\/li>\n<li>Hancock D. A Theory of Production for the Financial Finn. Norwell (Mass.), Kluver Academic Publishers, 1991. Wiley and Sons, Inc., 1962.<\/li>\n<li>Holmstrom B., Tirole J. Financial intermediation, loanable funds, and the real sector. IDEI, Toulouse University, 1993.<\/li>\n<li>Kim M. Banking technology and existence of a consistent output aggregate. Journal of Monetary Economics. 1986. Vol. 18(2). P.\u00a0181\u2013195.<\/li>\n<li>Klein M. A Theory of banking firm. Journal of Money. 1971. Vol. 3. P. 205\u2013218.<\/li>\n<li>Mester L.A Multiproduct cost study of savings and loans. Journal of Finance. 1987. Vol. 42(2).<\/li>\n<li>Murray J.D., White R.W. Economies of scale and economies of scope in multi-product financial institutions: A Study of British Columbia credit unions. Journal of Finance. 1983. Vol. 38(3). P. 887\u2013902.<\/li>\n<li>Monti M. Deposit, credit, and interest rate determination under alternative bank objectives. Mathematical methods of finance. Amsterdam: North-Holland, 1972.<\/li>\n<li>Sharpe S. Asymmetric information, bank lending and implicit contracts: A stylized model of customer relationships. Journal of Finance. 1990. Vol. 45(4). P. 1069\u20131087.<\/li>\n<li>Rajan R.G. Insiders and outsiders: The choice between informed and arm&#8217;s-length debt. Journal of Finance. 1992. Vol. 47(4). P.\u00a01367\u20131400.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[9],"tags":[],"_links":{"self":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/3433"}],"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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3433"}],"version-history":[{"count":3,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/3433\/revisions"}],"predecessor-version":[{"id":4304,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/3433\/revisions\/4304"}],"wp:attachment":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3433"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3433"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3433"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}