Abstract
The need of economic entities in financial risks hedging, in investments retention or increase can be met through the expanding the financial instruments used, which is possible to be achieved by promoting the stock market availability. The commercial banks activities in the securities market are diverse and include the role of an issuer, an investor, and a professional participant in the securities market. The activities on the security trust management and implementing brokerage activities are of the greatest importance as in this case, a commercial bank implements the mediating role ensuring the stock market availability for investors. The paper evaluates the evolution of the stock market formation and functioning with regard to the influence of the existing financial instruments and needs of the financial market participants on the dynamics and peak of its development. The author analyzes special aspects of the financial institutes’ activity, specifies the important role of commercial banks in attracting and allocating investment resources. The paper contains the systematization of the external and internal limitations affecting the commercial bank’s financial policy. Despite the extensive list of the external and internal factors affecting the economic policy of a bank, the key role is assigned to the management policy, on which the investment conditions proposed by a bank to its customers depend. The author proposes a mechanism of combining the active-passive and active operations of a commercial bank involving the development of such an optimal financial product that would meet the interests of retail investors in buying the stock market financial products and the needs of issuers (borrowers) in investment resources. This mechanism will allow promoting the power of commercial banks as underwriters in securities market. The author recommends the improvement of a customer-oriented approach for commercial banks when developing financial products and services.
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