Abstract
The functioning of the banking system, in the face of financial and economic shocks, is gaining global scale, and requires banking institutions to guarantee financial stability. The aim of the article is to consider the regulators of credit activity of banking institutions in the interbank market and the debt obligations of Ukrainian borrowers. A comprehensive methodological approach to assessing the stimulators of credit activity of banking institutions, which allows to model macroeconomic and local factors of credit risks of borrowers, scenarios for servicing their debt, given the safe level of profitability, liquidity in the interbank market in the current period is implemented. A comprehensive methodological approach to assessing the stimulators of credit activity of banking institutions on the basis of cognitive analysis and modeling of factors of the banking system, which are determined by stress testing when the exchange rate is changing. Interest rate fluctuations in the interbank market and liquidity in the country is proposed. The model of a complex assessment by a banking institution of the credit risk of a debtor-financial company when servicing its debt on the interbank market is presented. The cognitive analysis is carried out and the cognitive map of stimulators of crediting of the economy of Ukraine by banking institutions is constructed. Optimistic and pessimistic scenarios for changes in the lending activity of the banking system were identified, the growth of loans to residents was chosen as a desirable situation, taking into account the impact of inflation and devaluation of the hryvnia, as well as the growth index of the banking system. The integrated indicator of creditworthiness of borrowers and the relationship between quantitative and qualitative indicators of credit risk with a factor load on debt service by financial companies of Ukraine are calculated.
Highlights
The functioning of the banking system, which should ensure the confidence of economic entities in the actions of credit regulators of banking institutions is in the environment that in the face of financial and economic shocks is gaining global scale, and requires banking institutions to guarantee financial stability
In-depth study of the factors under the influence of stimulators of credit activity of banking institutions form the general economic policy of the state to manage credit resources through suppliers of these resources, which create their supply in the interbank market, performing an important function in economy and society
The authors have proposed a comprehensive methodological approach to assessing the stimulators of credit activity of banking institutions on the basis of cognitive analysis and modeling of factors of the banking system, which are determined by stress testing when the exchange rate changes, interest rate fluctuations in the interbank market and liquidity in the country [17; 18]
Summary
The functioning of the banking system, which should ensure the confidence of economic entities in the actions of credit regulators of banking institutions is in the environment that in the face of financial and economic shocks is gaining global scale, and requires banking institutions to guarantee financial stability. The introduction of a floating exchange rate regime and the liquidation of a significant number of banks cause negative trends in the banking system of weak economies, intensifying risk management factors to determine the quality of credit use in redistributive processes and the real sector. This necessitates the implementation of strategic and tactical goals of banks and maintaining a stable competitive position in the expansion of foreign capital, as well as the intensification of bank lending to restore the real sector. The importance of credit relations is growing significantly due to fundamental changes in the functioning and development of lending in the systemic transformation of social capital, which penetrates deeply into all phases of reproduction of production and consumption, covering all levels of the economy
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