{"id":7176,"date":"2021-06-10T15:41:12","date_gmt":"2021-06-10T12:41:12","guid":{"rendered":"http:\/\/journals.khnu.km.ua\/vestnik\/?p=7176"},"modified":"2021-08-30T22:37:25","modified_gmt":"2021-08-30T19:37:25","slug":"delegovana-model-groshovogo-obigu-ef","status":"publish","type":"post","link":"https:\/\/journals.khnu.km.ua\/vestnik\/?p=7176","title":{"rendered":"\u0414\u0435\u043b\u0435\u0433\u043e\u0432\u0430\u043d\u0430 \u043c\u043e\u0434\u0435\u043b\u044c \u0433\u0440\u043e\u0448\u043e\u0432\u043e\u0433\u043e \u043e\u0431\u0456\u0433\u0443: \u0435\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u0456\u0441\u0442\u044c \u0440\u043e\u0431\u043e\u0442\u0438 \u0443\u043f\u043e\u0432\u043d\u043e\u0432\u0430\u0436\u0435\u043d\u0438\u0445 \u0431\u0430\u043d\u043a\u0456\u0432"},"content":{"rendered":"

<\/p>\n

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DELEGATED CASH CIRCULATION MODEL: EFFICIENCY OF AUTHORIZED BANKS<\/p>\n

\"\"<\/a> \u0421\u0442\u043e\u0440\u0456\u043d\u043a\u0438: 133-139. \u041d\u043e\u043c\u0435\u0440: \u21162, 202<\/strong>1 (2<\/strong>92)<\/strong><\/p>\n

\u0410\u0432\u0442\u043e\u0440\u0438:<\/strong>
\n\u041d\u0430\u0433\u043e\u0440\u043d\u0438\u0439 \u041f. \u0414.
\nORCID ID: 0000-0002-3569-2313<\/a>
\ne-mail: p_nagorny@yahoo.com
\n\u0425\u043c\u0435\u043b\u044c\u043d\u0438\u0446\u044c\u043a\u0438\u0439 \u043a\u043e\u043e\u043f\u0435\u0440\u0430\u0442\u0438\u0432\u043d\u0438\u0439 \u0442\u043e\u0440\u0433\u043e\u0432\u0435\u043b\u044c\u043d\u043e-\u0435\u043a\u043e\u043d\u043e\u043c\u0456\u0447\u043d\u0438\u0439 \u0456\u043d\u0441\u0442\u0438\u0442\u0443\u0442<\/p>\n

PAVLO NAGORNY
\nKhmelnytskyi Cooperative Trade and Economic Institute<\/p>\n

DOI<\/strong>:<\/strong>\u00a0https:\/\/www.doi.org\/10.31891\/2307-5740-2021-292-2-22<\/a>
\n\u041d\u0430\u0434\u0456\u0439\u0448\u043b\u0430 \/ Paper received :<\/strong> 02.05.2021
\n\u041d\u0430\u0434\u0440\u0443\u043a\u043e\u0432\u0430\u043d\u0430 \/ Paper Printed :<\/strong> 01.06.2021<\/p>\n

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\n\u041f\u0440\u0438 \u0434\u043e\u0441\u043b\u0456\u0434\u0436\u0435\u043d\u043d\u0456 \u0442\u0435\u043c\u0438 \u0430\u0432\u0442\u043e\u0440\u043e\u043c \u0437\u0440\u043e\u0431\u043b\u0435\u043d\u0456 \u0432\u0438\u0441\u043d\u043e\u0432\u043a\u0438 \u043f\u0440\u043e \u043d\u0430\u044f\u0432\u043d\u0456\u0441\u0442\u044c \u043d\u0430 \u0434\u0430\u043d\u0438\u0439 \u0447\u0430\u0441 \u0440\u0438\u0437\u0438\u043a\u0443 \u0432\u0442\u0440\u0430\u0442\u0438 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044e \u0437\u0430 \u044f\u043a\u0456\u0441\u0442\u044e \u0433\u043e\u0442\u0456\u0432\u043a\u0438 \u0432 \u043e\u0431\u0456\u0433\u0443, \u0430 \u0442\u0430\u043a\u043e\u0436 \u0437\u0430\u0431\u0435\u0437\u043f\u0435\u0447\u0435\u043d\u043d\u044f \u0433\u043e\u0442\u0456\u0432\u043a\u0438 \u0443 \u043d\u0435\u043e\u0431\u0445\u0456\u0434\u043d\u0456\u0439 \u043a\u0456\u043b\u044c\u043a\u043e\u0441\u0442\u0456 \u0437\u0430 \u0432\u0438\u043c\u043e\u0433\u043e\u044e \u043a\u043e\u043c\u0435\u0440\u0446\u0456\u0439\u043d\u0438\u0445 \u0431\u0430\u043d\u043a\u0456\u0432 \u0447\u0435\u0440\u0435\u0437 \u043d\u0435\u0434\u043e\u0441\u043a\u043e\u043d\u0430\u043b\u0456\u0441\u0442\u044c \u0432\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u0445 \u0432\u0456\u0434\u043d\u043e\u0441\u0438\u043d \u043c\u0456\u0436 \u0440\u0435\u0433\u0443\u043b\u044f\u0442\u043e\u0440\u043e\u043c \u0456 \u0443\u043f\u043e\u0432\u043d\u043e\u0432\u0430\u0436\u0435\u043d\u0438\u043c\u0438 \u0431\u0430\u043d\u043a\u0430\u043c\u0438 \u0442\u0430 \u0442\u0435\u0445\u043d\u0456\u0447\u043d\u043e\u044e \u0456 \u043e\u0440\u0433\u0430\u043d\u0456\u0437\u0430\u0446\u0456\u0439\u043d\u043e\u044e \u043d\u0435\u0433\u043e\u0442\u043e\u0432\u043d\u0456\u0441\u0442\u044e \u0434\u043b\u044f \u0432\u0438\u043a\u043e\u043d\u0430\u043d\u043d\u044f \u0446\u044c\u043e\u0433\u043e \u0437\u0430\u0432\u0434\u0430\u043d\u043d\u044f \u0437\u0456 \u0441\u0442\u043e\u0440\u043e\u043d\u0438 \u0443\u043f\u043e\u0432\u043d\u043e\u0432\u0430\u0436\u0435\u043d\u0438\u0445 \u0431\u0430\u043d\u043a\u0456\u0432. \u041d\u0430 \u0434\u0443\u043c\u043a\u0443 \u0430\u0432\u0442\u043e\u0440\u0430 \u043e\u0434\u043d\u0456\u0454\u044e \u0456\u0437 \u043f\u0440\u0438\u0447\u0438\u043d \u043f\u043e\u0432\u0456\u043b\u044c\u043d\u043e\u0433\u043e \u043f\u0435\u0440\u0435\u0445\u043e\u0434\u0443 \u0434\u043e \u0434\u0435\u043b\u0435\u0433\u043e\u0432\u0430\u043d\u043e\u0457 \u043c\u043e\u0434\u0435\u043b\u0456 \u0433\u043e\u0442\u0456\u0432\u043a\u043e\u0432\u043e\u0433\u043e \u043e\u0431\u0456\u0433\u0443 \u0454 \u0442\u0435, \u0449\u043e \u0443\u043f\u043e\u0432\u043d\u043e\u0432\u0430\u0436\u0435\u043d\u0438\u043c \u0431\u0430\u043d\u043a\u0430\u043c \u0432\u0438\u0433\u0456\u0434\u043d\u043e \u043f\u0440\u0430\u0446\u044e\u0432\u0430\u0442\u0438 \u043d\u0430 \u0441\u0435\u0431\u0435, \u0432\u0438\u043a\u043e\u0440\u0438\u0441\u0442\u043e\u0432\u0443\u044e\u0447\u0438 \u0437\u0430\u043f\u0430\u0441\u0438 \u041d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0443. \u0412\u0438\u0440\u0456\u0448\u0435\u043d\u043d\u044f \u0446\u0456\u0454\u0457 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0438 \u041d\u0430\u0446\u0456\u043e\u043d\u0430\u043b\u044c\u043d\u0438\u043c \u0431\u0430\u043d\u043a\u043e\u043c \u0423\u043a\u0440\u0430\u0457\u043d\u0438 \u043c\u043e\u0436\u043b\u0438\u0432\u0435 \u0448\u043b\u044f\u0445\u043e\u043c \u0432\u043d\u0435\u0441\u0435\u043d\u043d\u044f\u043c \u043f\u0435\u0432\u043d\u0438\u0445 \u043a\u043e\u0440\u0435\u043a\u0442\u0438\u0432 \u0443 \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e-\u043f\u0440\u0430\u0432\u043e\u0432\u0443 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0430\u0446\u0456\u044e.
\n\u041a\u043b\u044e\u0447\u043e\u0432\u0456 \u0441\u043b\u043e\u0432\u0430:<\/strong> \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0456\u044f \u0433\u043e\u0442\u0456\u0432\u043a\u043e\u0432\u043e\u0433\u043e \u043e\u0431\u0456\u0433\u0443, \u0443\u043f\u043e\u0432\u043d\u043e\u0432\u0430\u0436\u0435\u043d\u0456 \u0431\u0430\u043d\u043a\u0438, \u0434\u0435\u043b\u0435\u0433\u043e\u0432\u0430\u043d\u0430 \u043c\u043e\u0434\u0435\u043b\u044c \u0433\u043e\u0442\u0456\u0432\u043a\u043e\u0432\u043e\u0433\u043e \u043e\u0431\u0456\u0433\u0443.<\/p>\n

\u0420\u043e\u0437\u0448\u0438\u0440\u0435\u043d\u0430<\/strong> \u0430\u043d\u043e\u0442\u0430\u0446\u0456\u044f<\/strong> \u0430\u043d\u0433\u043b\u0456\u0439\u0441\u044c\u043a\u043e\u044e<\/strong> \u043c\u043e\u0432\u043e\u044e<\/strong><\/p>\n

\u00a0 \u00a0 \u00a0Despite the intensive introduction of IT technologies in the banking sector, resulting in the intensive development of non-cash payments, even with the constant increase in non-cash payments, the money supply outside banks is constantly increasing, thus the problem of ensuring quantity and quality of cash. Until 2016, the responsibility for ensuring the quality of cash in circulation and its exchangeability was assigned to the National Bank of Ukraine, one of the functions of which is to ensure the state monetary policy. In search of an effective policy in the organization of cash circulation, the Board of the National Bank of Ukraine in 2016 initiated the transition to a delegated model of cash circulation, which involves participation in cash circulation directly by the National Bank and authorized banks and SIT companies under the rules and under its control. The author of the article analyzes the results of implementation of the delegated model of cash circulation strategy in issues of cash quality assurance, its sufficiency outside banks, completeness of authorized banks’ functions in securing applications of commercial banks for reinforcement and acceptance of cash surpluses, sufficiency of developed measures. In researching the topic, the author concluded that there is currently a risk of losing control over the quality of cash in circulation, as well as providing cash in the required amount at the request of commercial banks due to imperfect relations between the regulator and authorized banks and technical and organizational unpreparedness. parties of authorized banks. According to the author, one of the reasons for the slow transition to the delegated model of cash circulation is that it is profitable for authorized banks to work for themselves, using the reserves of the National Bank. The solution of this problem by the National Bank is possible by making certain adjustments to the regulatory documentation.
\n\u00a0 \u00a0 \u00a0Keywords:<\/strong> cash circulation strategy, authorized banks, delegated cash circulation model.<\/p>\n

References<\/strong><\/p>\n

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  1. Liutyi I. O. Hroshovyi obih \/\/ Entsyklopediia Suchasnoi Ukrainy \/ hol. redkol. : I.M. Dziuba, A.I. Zhukovskyi, M.H. Zhelezniak ta in. ; NAN Ukrainy, NTSh. \u2013 Kyiv : Instytut entsyklopedychnykh doslidzhen NAN Ukrainy, 2006. \u2013 URL : http:\/\/esu.com.ua\/ search_articles.php?id=32040 (data zvernennia 2.05.2021).<\/li>\n
  2. Pro Natsionalnyi bank Ukrainy : Zakon Ukrainy vid 20 travnia 1999 roku, \u2116 679-XIV \/\/ Vidomosti Verkhovnoi Rady Ukrainy. \u2013 1999. \u2013 \u2116 29. \u2013 St. 238.<\/li>\n
  3. Pro zatverdzhennia Kompleksnoi prohramy rozvytku finansovoho sektoru Ukrainy do 2020 roku : Postanova NBU vid 18.06.2015 \u2116 391. \u2013 URL : https:\/\/zakon.rada.gov.ua\/laws\/show\/v0391500-15#Text (data zvernennia 2.05.2021)<\/li>\n
  4. Fedets A.V. Udoskonalennia mekhanizmu derzhavnoho rehuliuvannia rynku nadannia posluh z inkasatsii koshtiv ta perevezen valiutnykh tsinnostei v Ukraini \/ A.V. Fedets \/\/ Efektyvnist derzhavnoho upravlinnia. \u2013 2019. \u2013 Vyp. 3 (60). Ch. 2. \u2013 St.237. \u2013 ISSN 2070-4011.<\/li>\n
  5. Yevdokimova M.O. Stan hotivkovoho hroshovoho obihu ta bezghotivkovykh rozrakhunkiv v Ukraini \/ M.O. Yevdokimova \/\/ Visnyk ONU imeni I.I. Mechnykova. \u2013 2018. \u2013 Tom 3. Vyp. 1 (66). \u2013 S. 98\u2013103.<\/li>\n
  6. Chaikovskyi Ya. Hroshovyi obih v Ukraini: suchasnyi stan, problemy ta napriamy udoskonalennia orhanizatsii \/ Ya. Chaikovskyi \/\/ Monetarna Polityka. Svit finansiv. \u2013 2018. \u2013 2(55). \u2013 S. 114\u2013122.<\/li>\n
  7. Richnyi zvit 2019 rik \/ Natsionalnyi bank Ukrainy. \u2013 URL : https:\/\/bank.gov.ua\/admin_uploads\/article\/annual_report_2019.pdf?v=4<\/li>\n
  8. Richnyi zvit 2020 rik \/ Natsionalnyi bank Ukrainy. \u2013 URL : https:\/\/bank.gov.ua\/admin_uploads\/article\/annual_report_2020.pdf?v=4 (data zvernennia 2.05.2021)<\/li>\n
  9. Kontseptsiia orhanizatsii hotivkovoho obihu v Ukraini. \u2013 URL : https:\/\/bank.gov.ua\/ua\/file\/download?file=\/ Cash_management_strategy_pr_2016-08-08.pdf (data zvernennia 10.09.2020).<\/li>\n
  10. Polozhennia pro peredavannia zapasiv hotivky na zberihannia do upovnovazhenykh bankiv : zatv. Postanovoiu pravlinnia NBU vid 07.12.2016 \u2116 408. \u2013 URL : https:\/\/zakon.rada.gov.ua\/laws\/show\/v0408500-16#Text (data zvernennia: 1.10.2020).<\/li>\n
  11. Upovnovazheni banky rozshyriuiut svoiu diialnist iz zabezpechennia hotivkoiu v rehionakh Ukrainy. \u2013 URL : https:\/\/bank.gov.ua\/ua\/news\/ all\/upovnovajeni-banki-rozshiryuyut-svoyu-diyalnist-iz-zabezpechennya-gotivkoyu-v-regionah-ukrayini (data zvernennia 2.05.2021)<\/li>\n
  12. NBU znachno skorotyv pidtrymku bankiv hotivkoiu. \u2013 URL : https:\/\/bankruptcy-ua.com\/news\/15472 (data zvernennia 2.05.2021)<\/li>\n
  13. Taryfy na posluhy z kasovoho obsluhovuvannia bankiv u natsionalnii valiuti Ukrainy. \u2013 URL : https:\/\/bank.gov.ua\/files\/EDBO\/Tariffs_EDBO_KO_Banks.pdf (data zvernennia 2.05.2021)<\/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":[47],"tags":[],"_links":{"self":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/7176"}],"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=7176"}],"version-history":[{"count":3,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/7176\/revisions"}],"predecessor-version":[{"id":7883,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=\/wp\/v2\/posts\/7176\/revisions\/7883"}],"wp:attachment":[{"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7176"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7176"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/journals.khnu.km.ua\/vestnik\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7176"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}