Abstract
Today the problem of managing credit and investment risk in the bank in the context of financial globalization remains one of the most relevant problems. At the same time, science may not yet explain the answers to some questions and the banker needs to solve them in practice. Therefore, the construction of a comprehensive system of credit and investment risk management in banks is one of the main components of security effective lending activities of banks. The article considers the features of credit and investment activities of banks in the interbank market in the context of financial globalization. The article reveals that the main economic function of Ukrainian banks in the period of accession to the EU is the credit and investment activity of their clients. State of the loan and investment portfolio and dynamics of loans were analyzed. The model and methods of the integrated stabilizer of credit and investment activity of the bank on the interbank market are developed. The authors proposed a list of methods and actions that unify threats, identify risks and improve the credit and innovation activities of the bank in the period of globalization for countries that are in the process of forming the banking infrastructure.
Highlights
The deepening of globalization objectively actualizes the study of the forms of its manifestation in all spheres of socio-economic development, including in the financial sphere
We have proposed a methodological approach to a comprehensive assessment of stress indicators of credit and investment activities of banks in attracting loans and deposits in the interbank market, by unifying the threats of financial globalization and risk identification to determine the integrated stabilizer of the banking system in servicing depositors and creditors
To model the impact of stress indicators on the integrated stabilizer of credit and investment activities of the bank in attracting loans and deposits in the interbank market, we propose using a parametric model of variance-covariance and factor assessment on the basis of covariance
Summary
The deepening of globalization objectively actualizes the study of the forms of its manifestation in all spheres of socio-economic development, including in the financial sphere. Financial globalization, which is primarily manifested through the liberalization of financial markets and the internationalization of financial services, is making corresponding changes in the banking industry. These trends increase competition in the global financial market and contribute to the convergence of banking practices in many countries, which are accompanied by standardization of national banking systems and intensification of mergers and acquisitions, increasing the number of transnational banks. The main economic function of Ukrainian banks in the accession period to the EU is the credit and investment activities of their clients, legal entities and individuals, enterprises and farms, etc. The financial condition of the regions of Ukraine served by banks largely depends on how well banks will implement their credit and investment
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