Pub Date : 2024-04-02DOI: 10.29038/2786-4618-2024-01-61-67
Ростислав Мартинюк
The article reveals the peculiarities of the functioning of the domestic banking system and examines the latest innovative solutions in the banking sector of the leading countries of the world for the period from 2020 to 2024. The prerequisites for the most popular innovative solutions and ideas in the context of the COVID-19 pandemic are revealed. The author analyzes the situations that have contributed to instability, including the constant interference of cybercriminals and Russia's military actions against Ukraine. The author systematizes the main directions of development of innovations in the global banking sector and analyzes the possibilities of implementing the most promising ones in the functioning of Ukrainian banking institutions and ensuring their financial security. The author presents the signs and criteria of innovation and provides examples of an innovative approach to solving issues in the internal processes of banking activities. It is determined that the main features of banking innovations are: the presence of social and economic results, reduction of banking costs, reduction of banking risks, increase in the level of liquidity of banking institutions, the presence of unique consumer properties, globalization of banking institutions and increase in labor productivity in the banking sector. The author studies the trends of transformations in the digital component of the banking sector. Innovations in customer experience and marketing innovations in the global banking sector are analyzed. The main directions of development of the banking sector in the context of leading banking institutions are structured, direct ideas and solutions to modern economic challenges of both global and local scales are presented. Innovations in the internal processes of banking institutions in 2020-2023 in Poland, the USA and Spain are revealed.
{"title":"RESEARCH OF INNOVATIONS IN THE BANKING SECTOR OF FOREIGN COUNTRIES AND THE POSSIBILITY OF THEIR IMPLEMENTATION IN UKRAINE","authors":"Ростислав Мартинюк","doi":"10.29038/2786-4618-2024-01-61-67","DOIUrl":"https://doi.org/10.29038/2786-4618-2024-01-61-67","url":null,"abstract":"The article reveals the peculiarities of the functioning of the domestic banking system and examines the latest innovative solutions in the banking sector of the leading countries of the world for the period from 2020 to 2024. The prerequisites for the most popular innovative solutions and ideas in the context of the COVID-19 pandemic are revealed. The author analyzes the situations that have contributed to instability, including the constant interference of cybercriminals and Russia's military actions against Ukraine. \u0000The author systematizes the main directions of development of innovations in the global banking sector and analyzes the possibilities of implementing the most promising ones in the functioning of Ukrainian banking institutions and ensuring their financial security. \u0000The author presents the signs and criteria of innovation and provides examples of an innovative approach to solving issues in the internal processes of banking activities. It is determined that the main features of banking innovations are: the presence of social and economic results, reduction of banking costs, reduction of banking risks, increase in the level of liquidity of banking institutions, the presence of unique consumer properties, globalization of banking institutions and increase in labor productivity in the banking sector. The author studies the trends of transformations in the digital component of the banking sector. Innovations in customer experience and marketing innovations in the global banking sector are analyzed. \u0000The main directions of development of the banking sector in the context of leading banking institutions are structured, direct ideas and solutions to modern economic challenges of both global and local scales are presented. Innovations in the internal processes of banking institutions in 2020-2023 in Poland, the USA and Spain are revealed.","PeriodicalId":178739,"journal":{"name":"Economic journal of Lesya Ukrainka Volyn National University","volume":"104 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140753026","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-04-02DOI: 10.29038/2786-4618-2024-01-6-10
V. Reikin
Abstract. The article deals with the current theoretical and methodological approaches to foming «logistics» category, which is considered as a science and a practical area of business. A retrospective and development evolution of the researched category in military, mathematical and economic aspects is given. Attention is drawn to the fact that in economic science, the genesis of «logistics» category is closely related to forming market relations in industrialized countries. Three main conceptual approaches were studied, which form the definition of the term «logistics» and generally determine the directions of further scientific developments, the nature of logistics use in practice: associativity with material and technical support of production and other types of activities, sales of products; scientific organization of managing infrastructural flow processes by means of their integration, optimization of costs and rationalization of production processes; scientific organization of managing any flow processes in any sphere of human activity. A critical analysis of the considered approaches was carried out from both a scientific and a practical point of view. The differences of F. Kotler's ideas on market logistics compared to mainstream approaches in the marketing aspect are outlined. The interrelationship of the theory, methodology, object and subject of logistics with certain types of activities, material and goods and related information and financial flows is stated. Attention is focused on the dominant paradigmatic idea – global integration and optimization of flow processes. It is justified that the development of information technologies had the greatest impact on logistics, and logistics itself is now increasingly influencing the development of various spheres of human activity. The genesis of approaches to «logistics» category is summarized: stages, conceptual features and definitions of examined term. It was concluded that in modern conditions, logistics is mainly aimed at increasing the efficiency of integration of any flow processes that have features of spatio-temporal sequence, therefore attempts to globalize logistics fields of application not only in the economy, but also in the science in general, culture, and art etc. are natural.
{"title":"ГЕНЕЗИС КОНЦЕПТУАЛЬНИХ ПІДХОДІВ ДО КАТЕГОРІЇ «ЛОГІСТИКА»","authors":"V. Reikin","doi":"10.29038/2786-4618-2024-01-6-10","DOIUrl":"https://doi.org/10.29038/2786-4618-2024-01-6-10","url":null,"abstract":"Abstract. The article deals with the current theoretical and methodological approaches to foming «logistics» category, which is considered as a science and a practical area of business. A retrospective and development evolution of the researched category in military, mathematical and economic aspects is given. Attention is drawn to the fact that in economic science, the genesis of «logistics» category is closely related to forming market relations in industrialized countries. Three main conceptual approaches were studied, which form the definition of the term «logistics» and generally determine the directions of further scientific developments, the nature of logistics use in practice: associativity with material and technical support of production and other types of activities, sales of products; scientific organization of managing infrastructural flow processes by means of their integration, optimization of costs and rationalization of production processes; scientific organization of managing any flow processes in any sphere of human activity. A critical analysis of the considered approaches was carried out from both a scientific and a practical point of view. The differences of F. Kotler's ideas on market logistics compared to mainstream approaches in the marketing aspect are outlined. The interrelationship of the theory, methodology, object and subject of logistics with certain types of activities, material and goods and related information and financial flows is stated. Attention is focused on the dominant paradigmatic idea – global integration and optimization of flow processes. It is justified that the development of information technologies had the greatest impact on logistics, and logistics itself is now increasingly influencing the development of various spheres of human activity. The genesis of approaches to «logistics» category is summarized: stages, conceptual features and definitions of examined term. It was concluded that in modern conditions, logistics is mainly aimed at increasing the efficiency of integration of any flow processes that have features of spatio-temporal sequence, therefore attempts to globalize logistics fields of application not only in the economy, but also in the science in general, culture, and art etc. are natural.","PeriodicalId":178739,"journal":{"name":"Economic journal of Lesya Ukrainka Volyn National University","volume":"90 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140751914","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-04-02DOI: 10.29038/2786-4618-2024-01-55-60
Olena Ivashko
The purpose of this article is to study the interdependence of the state, local governments, institutional investors and the level of foreign direct investment in Ukraine's economy in conditions of instability. The article examines the role of institutional investors and clarifies the main trends in attracting investment resources into the economy of Ukraine, taking into account the European integration vector, the state investment policy of Ukraine should include the main aspects of the main goals and objectives of the new generation investment policy, which takes into account the latest trends and needs of the world economy. In this context, it is especially important to establish the optimal ratio of foreign direct and domestic investment. In the context of European integration processes and ensuring investment security in Ukraine, it is necessary to protect domestic markets from monopolization by foreign investors by setting a limit on foreign direct investment in each sector.
{"title":"ПУБЛІЧНІ ФІНАНСИ ТА ПУБЛІЧНІ ІНВЕСТИЦІЇ В КОНТЕКСТІ ІНТЕНСИФІКАЦІЇ ЕКОНОМІЧНОГО РОЗВИТКУ","authors":"Olena Ivashko","doi":"10.29038/2786-4618-2024-01-55-60","DOIUrl":"https://doi.org/10.29038/2786-4618-2024-01-55-60","url":null,"abstract":"The purpose of this article is to study the interdependence of the state, local governments, institutional investors and the level of foreign direct investment in Ukraine's economy in conditions of instability. The article examines the role of institutional investors and clarifies the main trends in attracting investment resources into the economy of Ukraine, taking into account the European integration vector, the state investment policy of Ukraine should include the main aspects of the main goals and objectives of the new generation investment policy, which takes into account the latest trends and needs of the world economy. In this context, it is especially important to establish the optimal ratio of foreign direct and domestic investment. In the context of European integration processes and ensuring investment security in Ukraine, it is necessary to protect domestic markets from monopolization by foreign investors by setting a limit on foreign direct investment in each sector.","PeriodicalId":178739,"journal":{"name":"Economic journal of Lesya Ukrainka Volyn National University","volume":"39 5","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140754316","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-04-02DOI: 10.29038/2786-4618-2024-01-48-54
Микола Карлін, Сергій Миронюк
The article substantiates the need to use the possibilities of public-private partnership for the “green” development of Ukraine. The purpose of the study is to determine the features of the use of “green” investments in the implementation of public-private partnership projects at all levels of management. In accordance with the goal, the following tasks are set: to find out the structure of “green” investments and their role in the implementation of public-private partnership projects in wartime; explore the types, forms and subjects of public-private partnership in modern conditions; analyze possible risks of international “green” investment in public-private partnership projects in Ukraine during the reconstruction period; identify the existing problems in the use of such forms of public-private partnership in Ukraine as rent and concession for the development of the “green” economy and possible ways to solve them, taking into account the experience of the EU countries. In today’s conditions in Ukraine, local self-government bodies, as well as their associations, began to play an increasing role in the process of building a ‘’green’’ economy. In addition, some democratic countries, which are leaders in the use of “green” investments in the EU, began to help actively Ukraine financially. Analyses of the experience of their use of public-private partnership projects will allow our country to achieve quickly the standards of the Green European Course, since Ukraine has received the status of a candidate for joining the European Union. The expansion of the subjects of public-private partnership requires the creation of the proper conditions for them by the state, which will enable Ukraine to increase significantly “green’’ investments for the reconstruction of the country. Therefore, it is important to study the experience of stimulating the EU countries “green” projects of public-private partnership in various spheres of the economy, use the best of it in Ukraine.
{"title":"ФІНАНСИ ПУБЛІЧНО-ПРИВАТНОГО ПАРТНЕРСТВА ЯК ВАЖЛИВИЙ НАПРЯМ ПОБУДОВИ «ЗЕЛЕНОЇ» ЕКОНОМІКИ В УКРАЇНІ","authors":"Микола Карлін, Сергій Миронюк","doi":"10.29038/2786-4618-2024-01-48-54","DOIUrl":"https://doi.org/10.29038/2786-4618-2024-01-48-54","url":null,"abstract":"The article substantiates the need to use the possibilities of public-private partnership for the “green” development of Ukraine. The purpose of the study is to determine the features of the use of “green” investments in the implementation of public-private partnership projects at all levels of management. In accordance with the goal, the following tasks are set: to find out the structure of “green” investments and their role in the implementation of public-private partnership projects in wartime; explore the types, forms and subjects of public-private partnership in modern conditions; analyze possible risks of international “green” investment in public-private partnership projects in Ukraine during the reconstruction period; identify the existing problems in the use of such forms of public-private partnership in Ukraine as rent and concession for the development of the “green” economy and possible ways to solve them, taking into account the experience of the EU countries. \u0000In today’s conditions in Ukraine, local self-government bodies, as well as their associations, began to play an increasing role in the process of building a ‘’green’’ economy. In addition, some democratic countries, which are leaders in the use of “green” investments in the EU, began to help actively Ukraine financially. Analyses of the experience of their use of public-private partnership projects will allow our country to achieve quickly the standards of the Green European Course, since Ukraine has received the status of a candidate for joining the European Union. \u0000 The expansion of the subjects of public-private partnership requires the creation of the proper conditions for them by the state, which will enable Ukraine to increase significantly “green’’ investments for the reconstruction of the country. Therefore, it is important to study the experience of stimulating the EU countries “green” projects of public-private partnership in various spheres of the economy, use the best of it in Ukraine.","PeriodicalId":178739,"journal":{"name":"Economic journal of Lesya Ukrainka Volyn National University","volume":"44 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140755280","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-04-02DOI: 10.29038/2786-4618-2024-01-68-77
Наталія Версаль, Яна Дудник
Introduction. The article is devoted to studying the essence of the digital transformation of banking in Ukraine, key trends, and changes in the market arising from the digitalization of banks' products and services, including changes and trends under martial law. The purpose of the article. The article aims to study the current trends and prospects of digital transformation of banking in Ukraine, particularly under martial law. Results. The authors consider an approach to defining the main aspects of the essence of "digital transformation" of banking institutions in the context of comparison with "digitization" and "digitalization". The authors analyze the main trends in the digital transformation of banking activities in Ukraine and identify significant market changes resulting from the digitalization of banking products and services. The authors also consider the critical steps of the National Bank of Ukraine as a market regulator concerning digital transformation. In particular, the authors analyze essential legislative changes that contribute to developing the digital transformation of banking in Ukraine. The authors also showed that digital transformation is one of the drivers of the banking market development, which creates an urgent need for banks to modernize their business strategies with a focus on digitalization. Conclusions. It is concluded that today, the use of innovative technologies in banking significantly changes the payment infrastructure. Despite the daily challenges and threats, the Ukrainian market shows significant steps and prospects in using and developing financial technologies and innovations. Therefore, for traditional banking institutions to remain competitive in the market and provide services that will meet customers' growing needs, banks need to completely rethink their business strategy with a focus on digital transformation.
{"title":"ДИДЖИТАЛ ТРАНСФОРМАЦІЯ БАНКІВСЬКОЇ ДІЯЛЬНОСТІ В УКРАЇНІ","authors":"Наталія Версаль, Яна Дудник","doi":"10.29038/2786-4618-2024-01-68-77","DOIUrl":"https://doi.org/10.29038/2786-4618-2024-01-68-77","url":null,"abstract":"Introduction. The article is devoted to studying the essence of the digital transformation of banking in Ukraine, key trends, and changes in the market arising from the digitalization of banks' products and services, including changes and trends under martial law. \u0000The purpose of the article. The article aims to study the current trends and prospects of digital transformation of banking in Ukraine, particularly under martial law. \u0000Results. The authors consider an approach to defining the main aspects of the essence of \"digital transformation\" of banking institutions in the context of comparison with \"digitization\" and \"digitalization\". \u0000The authors analyze the main trends in the digital transformation of banking activities in Ukraine and identify significant market changes resulting from the digitalization of banking products and services. \u0000The authors also consider the critical steps of the National Bank of Ukraine as a market regulator concerning digital transformation. In particular, the authors analyze essential legislative changes that contribute to developing the digital transformation of banking in Ukraine. \u0000The authors also showed that digital transformation is one of the drivers of the banking market development, which creates an urgent need for banks to modernize their business strategies with a focus on digitalization. \u0000Conclusions. It is concluded that today, the use of innovative technologies in banking significantly changes the payment infrastructure. Despite the daily challenges and threats, the Ukrainian market shows significant steps and prospects in using and developing financial technologies and innovations. Therefore, for traditional banking institutions to remain competitive in the market and provide services that will meet customers' growing needs, banks need to completely rethink their business strategy with a focus on digital transformation. \u0000 ","PeriodicalId":178739,"journal":{"name":"Economic journal of Lesya Ukrainka Volyn National University","volume":"252 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140754930","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-04-02DOI: 10.29038/2786-4618-2024-01-97-104
Ірина Садовська, Катерина Нагірська
Abstract. The article highlights the current issues of development of investment security of the state. It was determined that today's special conditions pose challenges to strengthening the investment security of the state. Proven investment activity at the global level. The result of such activity is a real increase in investment flows from partner countries. The components of investment security are systematized: the legal environment, which is characterized by regulated regulatory and legal support, without regulatory collisions and contradictions of individual legal norms; economic and political stability; the stability of the macroeconomic environment, which includes stable inflation, low unemployment, and economic growth; developed infrastructure, which is necessary for making effective investments; geopolitical risks, which include international conflicts, sanctions, trade restrictions; innovative activity that contributes to the creation of competitive industries and attracting investments; social stability, which ensures social justice, balanced development of society, improvement of investment security. The development of scientific schools that investigate the issue of investment security is studied. The most famous scientific schools are systematized, in particular: the school of risk-oriented investment management, the school of financial security, which studies the financial aspects of the investment process, financial risks, models of financial asset valuation and financial flow management, the school of political economy, which investigates the influence of political factors on investment activity , a school of international relations, a school of normative and legal regulation, which studies the legal aspects of financial markets. It has been proven that scientific schools contribute to the development and improvement of the theory and practice of investment security through the study of various aspects of this issue from different scientific approaches. The methods, goals, forms and tools of influence on state regulation of the level of investment security are defined. It is proposed to solve priority problems for strengthening the investment security of the state. The directions of further scientific research in the field of investment security are outlined.
{"title":"РОЗВИТОК ІНВЕСТИЦІЙНОЇ БЕЗПЕКИ ДЕРЖАВИ","authors":"Ірина Садовська, Катерина Нагірська","doi":"10.29038/2786-4618-2024-01-97-104","DOIUrl":"https://doi.org/10.29038/2786-4618-2024-01-97-104","url":null,"abstract":"Abstract. The article highlights the current issues of development of investment security of the state. It was determined that today's special conditions pose challenges to strengthening the investment security of the state. Proven investment activity at the global level. The result of such activity is a real increase in investment flows from partner countries. \u0000The components of investment security are systematized: the legal environment, which is characterized by regulated regulatory and legal support, without regulatory collisions and contradictions of individual legal norms; economic and political stability; the stability of the macroeconomic environment, which includes stable inflation, low unemployment, and economic growth; developed infrastructure, which is necessary for making effective investments; geopolitical risks, which include international conflicts, sanctions, trade restrictions; innovative activity that contributes to the creation of competitive industries and attracting investments; social stability, which ensures social justice, balanced development of society, improvement of investment security. \u0000The development of scientific schools that investigate the issue of investment security is studied. The most famous scientific schools are systematized, in particular: the school of risk-oriented investment management, the school of financial security, which studies the financial aspects of the investment process, financial risks, models of financial asset valuation and financial flow management, the school of political economy, which investigates the influence of political factors on investment activity , a school of international relations, a school of normative and legal regulation, which studies the legal aspects of financial markets. \u0000It has been proven that scientific schools contribute to the development and improvement of the theory and practice of investment security through the study of various aspects of this issue from different scientific approaches. \u0000The methods, goals, forms and tools of influence on state regulation of the level of investment security are defined. It is proposed to solve priority problems for strengthening the investment security of the state. The directions of further scientific research in the field of investment security are outlined.","PeriodicalId":178739,"journal":{"name":"Economic journal of Lesya Ukrainka Volyn National University","volume":"28 10","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-04-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140754133","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-01-07DOI: 10.29038/2786-4618-2023-04-113-119
Віктор Левицький
The article examines the essence of the process of managing assets and liabilities of a banking institution. The works of ukrainian and foreign scientists devoted to issues of asset and liability management systems were studied and analyzed. The essence of the concept of the structure of assets and liabilities is determined. The main strategies for managing the bank's assets and liabilities have been identified - the asset management strategy, the liability management strategy, and the combined strategy. The purpose of the article is the formation of the formation of the system of administrative management of assets and liabilities of a banking institution. The main tasks of a comprehensive strategy and its important elements are defined. Two basic groups of asset and liability management methods are highlighted - methods of managing a certain risk and methods of modeling the optimal balance sheet structure. The shortcomings inherent in both groups were analyzed. It is proposed to use, in addition to classic digital methods, tools for influencing the structure of the bank's assets and liabilities. A diagram of the asset and liability management system from a functional point of view has been created. In order to effectively manage a banking institution, it is proposed to include digital tools for influencing the structure of assets and liabilities to the tools of the asset and liability management system in order to obtain maximum profit while maintaining reliability. For the formation of the MAL system, it is proposed to implement the following digital elements: implementation of the biometric system of online banking; integration with the Diya platform; distribution and promotion of the use of Visa pay-Wave cards; expansion and adaptation of POS lending (including biometric identification of the recipient) using POS terminals; expansion of online banking functionality. Their influence on the three main factors determining the degree of profit of a banking institution is determined. In the course of the analytical work, it was found that an important tool in the asset and liability management strategy is bank digitalization. Using digital technologies, banking institutions have the opportunity to reach a completely new level, providing innovative services and services to clients. Despite the fact that these directions have received active development in recent years, their potential has not yet been exhausted. The impact of digitalization provides significant benefits to banks and improves their attractiveness. This, in turn, provides stability to the banking institution and the ability to quickly adapt to unpredictable changes in the market. Thus, using digital tools as part of the formation of the asset and liability management system, it is possible to directly influence their structure and attract a larger number of customers, which directly affects the bank's profitability.
文章探讨了银行机构资产与负债管理过程的本质。文章研究并分析了乌克兰和外国科学家关于资产与负债管理系统问题的著作。确定了资产与负债结构概念的本质。确定了管理银行资产和负债的主要战略--资产管理战略、负债管理战略和组合战略。文章的目的是形成银行机构资产和负债的行政管理体系。文章界定了综合战略的主要任务及其重要内容。文章强调了两类基本的资产负债管理方法--管理一定风险的方法和建立最佳资产负债表结构模型的方法。分析了这两类方法固有的缺点。除了传统的数字方法外，还建议使用影响银行资产负债结构的工具。从功能角度绘制了资产负债管理系统图。为了有效管理银行机构，建议在资产负债管理系统的工具中加入影响资产负债结构的数字工具，以便在保持可靠性的同时获得最大利润。为建立 MAL 系统，建议实施以下数字要素：实施网上银行生物识别系统；与 Diya 平台整合；分发和推广使用 Visa pay-Wave 卡；扩大和调整使用 POS 终端的 POS 借贷（包括收款人的生物识别）；扩大网上银行功能。它们对决定银行机构利润程度的三个主要因素的影响是确定的。在分析工作中发现，资产负债管理战略的一个重要工具是银行数字化。利用数字技术，银行机构有机会达到一个全新的水平，为客户提供创新服务和服务。尽管近年来这些方向得到了积极的发展，但其潜力尚未发挥出来。数字化的影响为银行带来了巨大的利益，提高了银行的吸引力。这反过来又为银行机构提供了稳定性和快速适应市场不可预测变化的能力。因此，利用数字化工具作为资产负债管理系统形成的一部分，可以直接影响其结构，吸引更多的客户，从而直接影响银行的盈利能力。
{"title":"FORMATION OF THE ADMINISTRATIVE MANAGEMENT SYSTEM OF ASSETS AND LIABILITIES OF A BANKING INSTITUTION IN THE STRATEGIC ASPECT","authors":"Віктор Левицький","doi":"10.29038/2786-4618-2023-04-113-119","DOIUrl":"https://doi.org/10.29038/2786-4618-2023-04-113-119","url":null,"abstract":"The article examines the essence of the process of managing assets and liabilities of a banking institution. The works of ukrainian and foreign scientists devoted to issues of asset and liability management systems were studied and analyzed. The essence of the concept of the structure of assets and liabilities is determined. The main strategies for managing the bank's assets and liabilities have been identified - the asset management strategy, the liability management strategy, and the combined strategy. \u0000The purpose of the article is the formation of the formation of the system of administrative management of assets and liabilities of a banking institution. The main tasks of a comprehensive strategy and its important elements are defined. Two basic groups of asset and liability management methods are highlighted - methods of managing a certain risk and methods of modeling the optimal balance sheet structure. The shortcomings inherent in both groups were analyzed. \u0000It is proposed to use, in addition to classic digital methods, tools for influencing the structure of the bank's assets and liabilities. A diagram of the asset and liability management system from a functional point of view has been created. In order to effectively manage a banking institution, it is proposed to include digital tools for influencing the structure of assets and liabilities to the tools of the asset and liability management system in order to obtain maximum profit while maintaining reliability. For the formation of the MAL system, it is proposed to implement the following digital elements: implementation of the biometric system of online banking; integration with the Diya platform; distribution and promotion of the use of Visa pay-Wave cards; expansion and adaptation of POS lending (including biometric identification of the recipient) using POS terminals; expansion of online banking functionality. Their influence on the three main factors determining the degree of profit of a banking institution is determined. \u0000In the course of the analytical work, it was found that an important tool in the asset and liability management strategy is bank digitalization. Using digital technologies, banking institutions have the opportunity to reach a completely new level, providing innovative services and services to clients. Despite the fact that these directions have received active development in recent years, their potential has not yet been exhausted. The impact of digitalization provides significant benefits to banks and improves their attractiveness. This, in turn, provides stability to the banking institution and the ability to quickly adapt to unpredictable changes in the market. Thus, using digital tools as part of the formation of the asset and liability management system, it is possible to directly influence their structure and attract a larger number of customers, which directly affects the bank's profitability. \u0000 ","PeriodicalId":178739,"journal":{"name":"Economic journal of Lesya Ukrainka Volyn National University","volume":"49 11","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139535785","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-01-07DOI: 10.29038/2786-4618-2023-04-135-147
Nataliia Hrytsiuk, Olena Ivashko
Ukraine is a country with immense potential for entrepreneurship, but it faces significant challenges that can hinder the growth of its entrepreneurial ecosystem. This article explores the challenges that Ukrainian entrepreneurs face and how they can be overcome, as well as the role of government and other organizations in supporting entrepreneurship. One of the biggest challenges for Ukrainian entrepreneurs is access to funding. Ukraine has a developing financial market, and it can be difficult for entrepreneurs to secure loans or investments. This is com-pounded by the lack of a well-developed venture capital market, which makes it difficult for entrepreneurs to access the capital they need to grow their businesses. The article uses quantitative methods of research, modeling the influence of factors on the efficiency of the ecosystem
{"title":"STARTUP ECOSYSTEM: THE LONG-TERM VALUE OF A SUSTAINABLE DEVELOPMENT STRATEGY FOR UKRAINE","authors":"Nataliia Hrytsiuk, Olena Ivashko","doi":"10.29038/2786-4618-2023-04-135-147","DOIUrl":"https://doi.org/10.29038/2786-4618-2023-04-135-147","url":null,"abstract":"Ukraine is a country with immense potential for entrepreneurship, but it faces significant challenges that can hinder the growth of its entrepreneurial ecosystem. This article explores the challenges that Ukrainian entrepreneurs face and how they can be overcome, as well as the role of government and other organizations in supporting entrepreneurship. One of the biggest challenges for Ukrainian entrepreneurs is access to funding. Ukraine has a developing financial market, and it can be difficult for entrepreneurs to secure loans or investments. This is com-pounded by the lack of a well-developed venture capital market, which makes it difficult for entrepreneurs to access the capital they need to grow their businesses. The article uses quantitative methods of research, modeling the influence of factors on the efficiency of the ecosystem","PeriodicalId":178739,"journal":{"name":"Economic journal of Lesya Ukrainka Volyn National University","volume":"23 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139629179","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-01-07DOI: 10.29038/2786-4618-2023-04-104-112
Ірина Волинець, Анна Романюк
The article discusses an important issue of Ukrainian and global management - diversity in the workplace. It has been found that diversity in the workplace is becoming increasingly important in today's business environment, as society becomes more globalized and open to different cultural, gender, and age groups. The article examines the definitions of the concepts of "diversity", "diversity management", "inclusiveness", "organizational culture", and explores the nature and types of diversity. The main aspects of diversity, such as ethnic, gender, age and cultural differences, are revealed, and statistics and trends in diversity aspects are provided. The problems that arise when implementing diversity in the workplace are analyzed, including ethical aspects and openness to diversity, as well as internal and external factors that create possible obstacles. The positive effects of diversity in the workplace, such as increased creativity, innovation and competitive advantage, are discussed. However, it also highlights possible conflicts and communication problems, as well as the challenges associated with adaptation and staff training. Diversity management practices on the example of specific Ukrainian companies are analyzed and the importance of creating an open and inclusive environment is highlighted. In conclusion, diversity management in the workplace is important for Ukrainian organizations and its impact on management. The article identifies and characterizes key aspects of diversity management: promoting productivity and innovation, reducing the risk of employee loss and increasing staff engagement, improving the company's reputation and opening up new business opportunities, including markets with different cultural and gender characteristics. It is substantiated that diversity management in the workplace is of strategic importance for Ukrainian organizations, thereby creating conditions for sustainable development, competitiveness and improvement of the corporate climate, and contributes to the successful functioning and achievement of business goals.
{"title":"MANAGING DIVERSITY IN THE WORKPLACE: CHALLENGES AND BENEFITS OF IMPLEMENTATION IN ORGANIZATIONS","authors":"Ірина Волинець, Анна Романюк","doi":"10.29038/2786-4618-2023-04-104-112","DOIUrl":"https://doi.org/10.29038/2786-4618-2023-04-104-112","url":null,"abstract":"The article discusses an important issue of Ukrainian and global management - diversity in the workplace. It has been found that diversity in the workplace is becoming increasingly important in today's business environment, as society becomes more globalized and open to different cultural, gender, and age groups. \u0000The article examines the definitions of the concepts of \"diversity\", \"diversity management\", \"inclusiveness\", \"organizational culture\", and explores the nature and types of diversity. \u0000The main aspects of diversity, such as ethnic, gender, age and cultural differences, are revealed, and statistics and trends in diversity aspects are provided. The problems that arise when implementing diversity in the workplace are analyzed, including ethical aspects and openness to diversity, as well as internal and external factors that create possible obstacles. The positive effects of diversity in the workplace, such as increased creativity, innovation and competitive advantage, are discussed. However, it also highlights possible conflicts and communication problems, as well as the challenges associated with adaptation and staff training. Diversity management practices on the example of specific Ukrainian companies are analyzed and the importance of creating an open and inclusive environment is highlighted. In conclusion, diversity management in the workplace is important for Ukrainian organizations and its impact on management. \u0000The article identifies and characterizes key aspects of diversity management: promoting productivity and innovation, reducing the risk of employee loss and increasing staff engagement, improving the company's reputation and opening up new business opportunities, including markets with different cultural and gender characteristics. \u0000It is substantiated that diversity management in the workplace is of strategic importance for Ukrainian organizations, thereby creating conditions for sustainable development, competitiveness and improvement of the corporate climate, and contributes to the successful functioning and achievement of business goals.","PeriodicalId":178739,"journal":{"name":"Economic journal of Lesya Ukrainka Volyn National University","volume":"58 s201","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139629217","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2024-01-07DOI: 10.29038/2786-4618-2023-04-120-127
Наталія Хомюк, Анна Романюк
The article reveals the theoretical principles of anti-crisis management of the enterprise's foreign economic activity. The essence of the concept of crisis is revealed. Attention is drawn to the importance of adaptive anti-crisis management aimed at responding to changes and using opportunities to ensure the sustainable development of the enterprise in the conditions of the external environment. The internal and external causes of the crisis are singled out. The classification, tasks, and main principles of anti-crisis management are substantiated. The key elements of managing the foreign economic activity of the enterprise in crisis conditions, as well as the main approaches to minimizing the impact of threats, are considered. Taking into account the importance of developing anti-crisis programs to prevent and overcome crises at the enterprise, the key methods of work to minimize the impact of threats to the enterprise's foreign economic activity were analyzed, such as: minimizing threats through diversification, information search, risk management, interaction with the environment, control of the internal environment. Diversification approaches have been proven to be the most common and effective in protecting foreign economic activity, but require careful, long-term planning and significant financial investment. It is substantiated that obtaining timely information about the state of the market and the industry is an important step toward reducing threats. Attention is drawn to the fact that risk management covers a wider range of actions than crisis management, including identification, analysis, assessment, management, and mitigation of risks that may arise. Emphasis is placed on ensuring the appropriate level of resource reservation, which is aimed at maintaining the necessary stock of cash, raw materials, goods, and other necessary materials. The importance of establishing long-term partnership relations in the implementation of the enterprise's foreign economic activity has been proven. It has been proven that a comprehensive approach to the creation of a system of anti-crisis management of the enterprise's foreign economic activity should include the organization, planning, and implementation of not only specific competencies but also effective management tools that will help the enterprise adapt to changes and increase its competitiveness.
{"title":"THEORETICAL PRINCIPLES OF ANTI-CRISIS MANAGEMENT OF FOREIGN ECONOMIC ACTIVITIES OF ENTERPRISES","authors":"Наталія Хомюк, Анна Романюк","doi":"10.29038/2786-4618-2023-04-120-127","DOIUrl":"https://doi.org/10.29038/2786-4618-2023-04-120-127","url":null,"abstract":"The article reveals the theoretical principles of anti-crisis management of the enterprise's foreign economic activity. The essence of the concept of crisis is revealed. Attention is drawn to the importance of adaptive anti-crisis management aimed at responding to changes and using opportunities to ensure the sustainable development of the enterprise in the conditions of the external environment. The internal and external causes of the crisis are singled out. The classification, tasks, and main principles of anti-crisis management are substantiated. The key elements of managing the foreign economic activity of the enterprise in crisis conditions, as well as the main approaches to minimizing the impact of threats, are considered. Taking into account the importance of developing anti-crisis programs to prevent and overcome crises at the enterprise, the key methods of work to minimize the impact of threats to the enterprise's foreign economic activity were analyzed, such as: minimizing threats through diversification, information search, risk management, interaction with the environment, control of the internal environment. Diversification approaches have been proven to be the most common and effective in protecting foreign economic activity, but require careful, long-term planning and significant financial investment. It is substantiated that obtaining timely information about the state of the market and the industry is an important step toward reducing threats. Attention is drawn to the fact that risk management covers a wider range of actions than crisis management, including identification, analysis, assessment, management, and mitigation of risks that may arise. Emphasis is placed on ensuring the appropriate level of resource reservation, which is aimed at maintaining the necessary stock of cash, raw materials, goods, and other necessary materials. The importance of establishing long-term partnership relations in the implementation of the enterprise's foreign economic activity has been proven. It has been proven that a comprehensive approach to the creation of a system of anti-crisis management of the enterprise's foreign economic activity should include the organization, planning, and implementation of not only specific competencies but also effective management tools that will help the enterprise adapt to changes and increase its competitiveness.","PeriodicalId":178739,"journal":{"name":"Economic journal of Lesya Ukrainka Volyn National University","volume":"56 s196","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139629221","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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