战争期间nbu关键政策利率对银行存款的影响

Liudmyla Prytsiuk
{"title":"战争期间nbu关键政策利率对银行存款的影响","authors":"Liudmyla Prytsiuk","doi":"10.31649/ins.2022.4.46.53","DOIUrl":null,"url":null,"abstract":"The work considers individual factors influencing the deposit policy of Ukrainian banks during the two periods of the aggression of the Russian Federation in the east of Ukraine and the occupation of the Autonomous Republic of Crimea (2014-2021) and the full-scale invasion (2022). The specified period in particular is characterized by radical and mostly successful reforms carried out in the banking system of Ukraine which affected its stable operation during the period of hostilities. The article examines the influence of the NBU Key Policy Rate on the formation of the deposit policy of banks depending on the terms of placement of funds in national and foreign currencies, the general trends of the deposit policy of banks regarding the establishment of interest rates on deposits during the period of military operations on the territory of Ukraine are determined. The volume of funds raised in the economy was studied, trends were established regarding changes in the resources raised and factors of influence from the state and banks on certain sectors of the economy which contributed to the preservation and growth of the deposit portfolio during 2014-2021. An analysis of interest rates on raised household deposits was carried out which make up the largest share of all involved bank resources. It has been established that individuals have changed their priorities reorienting themselves from long-term placement of their own funds to short-term ones or have refused to place term deposits altogether. The influence of the discount rate on the deposit policy of banks during the period of full-scale war is studied. It was established that the effect of external factors was decisive in this period and the influence of the NBU Key Policy Rate was insignificant. The work also determines the impact of decisions made by the state authorities of Ukraine and the National Bank on the volume of resources involved during the period of a full-scale invasion in 2022.","PeriodicalId":42407,"journal":{"name":"RISUS-Journal on Innovation and Sustainability","volume":"290 1","pages":""},"PeriodicalIF":0.2000,"publicationDate":"2022-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"THE INFLUENCE OF THE NBU KEY POLICY RATE ON BANK DEPOSITS DURING THE WAR\",\"authors\":\"Liudmyla Prytsiuk\",\"doi\":\"10.31649/ins.2022.4.46.53\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The work considers individual factors influencing the deposit policy of Ukrainian banks during the two periods of the aggression of the Russian Federation in the east of Ukraine and the occupation of the Autonomous Republic of Crimea (2014-2021) and the full-scale invasion (2022). The specified period in particular is characterized by radical and mostly successful reforms carried out in the banking system of Ukraine which affected its stable operation during the period of hostilities. The article examines the influence of the NBU Key Policy Rate on the formation of the deposit policy of banks depending on the terms of placement of funds in national and foreign currencies, the general trends of the deposit policy of banks regarding the establishment of interest rates on deposits during the period of military operations on the territory of Ukraine are determined. The volume of funds raised in the economy was studied, trends were established regarding changes in the resources raised and factors of influence from the state and banks on certain sectors of the economy which contributed to the preservation and growth of the deposit portfolio during 2014-2021. An analysis of interest rates on raised household deposits was carried out which make up the largest share of all involved bank resources. It has been established that individuals have changed their priorities reorienting themselves from long-term placement of their own funds to short-term ones or have refused to place term deposits altogether. The influence of the discount rate on the deposit policy of banks during the period of full-scale war is studied. It was established that the effect of external factors was decisive in this period and the influence of the NBU Key Policy Rate was insignificant. The work also determines the impact of decisions made by the state authorities of Ukraine and the National Bank on the volume of resources involved during the period of a full-scale invasion in 2022.\",\"PeriodicalId\":42407,\"journal\":{\"name\":\"RISUS-Journal on Innovation and Sustainability\",\"volume\":\"290 1\",\"pages\":\"\"},\"PeriodicalIF\":0.2000,\"publicationDate\":\"2022-12-30\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"RISUS-Journal on Innovation and Sustainability\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.31649/ins.2022.4.46.53\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q4\",\"JCRName\":\"MANAGEMENT\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"RISUS-Journal on Innovation and Sustainability","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.31649/ins.2022.4.46.53","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"MANAGEMENT","Score":null,"Total":0}
引用次数: 0

摘要

该工作考虑了在俄罗斯联邦侵略乌克兰东部和占领克里米亚自治共和国(2014-2021年)和全面入侵(2022年)两个时期影响乌克兰银行存款政策的个别因素。特别是在这一特定时期,乌克兰的银行系统进行了激进和大部分成功的改革,影响了其在敌对行动期间的稳定运作。本文考察了NBU关键政策利率对银行存款政策形成的影响,这取决于资金在本国货币和外币中的安置条件,确定了乌克兰境内军事行动期间银行存款政策关于存款利率制定的总体趋势。对经济中筹集的资金数额进行了研究,确定了筹集资源变化的趋势以及国家和银行对某些经济部门的影响因素,这些因素有助于2014-2021年期间存款组合的保存和增长。对增加的家庭存款的利率进行了分析,这些存款占所有有关银行资源的最大份额。已经确定的是,个人已经改变了他们的优先事项,将自己的资金从长期存放转向短期存放,或者干脆拒绝存放定期存款。研究了全面战争时期贴现率对银行存款政策的影响。结果表明,在这一时期,外部因素的影响是决定性的,NBU关键政策利率的影响不显著。这项工作还确定了乌克兰国家当局和国家银行作出的决定对2022年全面入侵期间所涉及的资源量的影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
查看原文
分享 分享
微信好友 朋友圈 QQ好友 复制链接
本刊更多论文
THE INFLUENCE OF THE NBU KEY POLICY RATE ON BANK DEPOSITS DURING THE WAR
The work considers individual factors influencing the deposit policy of Ukrainian banks during the two periods of the aggression of the Russian Federation in the east of Ukraine and the occupation of the Autonomous Republic of Crimea (2014-2021) and the full-scale invasion (2022). The specified period in particular is characterized by radical and mostly successful reforms carried out in the banking system of Ukraine which affected its stable operation during the period of hostilities. The article examines the influence of the NBU Key Policy Rate on the formation of the deposit policy of banks depending on the terms of placement of funds in national and foreign currencies, the general trends of the deposit policy of banks regarding the establishment of interest rates on deposits during the period of military operations on the territory of Ukraine are determined. The volume of funds raised in the economy was studied, trends were established regarding changes in the resources raised and factors of influence from the state and banks on certain sectors of the economy which contributed to the preservation and growth of the deposit portfolio during 2014-2021. An analysis of interest rates on raised household deposits was carried out which make up the largest share of all involved bank resources. It has been established that individuals have changed their priorities reorienting themselves from long-term placement of their own funds to short-term ones or have refused to place term deposits altogether. The influence of the discount rate on the deposit policy of banks during the period of full-scale war is studied. It was established that the effect of external factors was decisive in this period and the influence of the NBU Key Policy Rate was insignificant. The work also determines the impact of decisions made by the state authorities of Ukraine and the National Bank on the volume of resources involved during the period of a full-scale invasion in 2022.
求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
自引率
0.00%
发文量
34
审稿时长
20 weeks
期刊最新文献
ARTIFICIAL INTELLIGENCE IN THE FINANCIAL SECTOR OF UKRAINE: A DRIVER OF DEVELOPMENT AND A FACTOR OF MODERNIZATION MANAGEMENT EFFICIENCY CRITERIA FOR ІNDUSTRIAL ENTERPRISES PROBLEMS AND PERSPECTIVES OF BUSINESS MANAGEMENT OF MACHINE-BUILDING IN A COMPETITIVE ENVIRONMENT Arts of letting live in the contemporary world of globalization Mesopotamia
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
现在去查看 取消
×
提示
确定
0
微信
客服QQ
Book学术公众号 扫码关注我们
反馈
×
意见反馈
请填写您的意见或建议
请填写您的手机或邮箱
已复制链接
已复制链接
快去分享给好友吧!
我知道了
×
扫码分享
扫码分享
Book学术官方微信
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术
文献互助 智能选刊 最新文献 互助须知 联系我们:info@booksci.cn
Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。
Copyright © 2023 Book学术 All rights reserved.
ghs 京公网安备 11010802042870号 京ICP备2023020795号-1