Problem moments of legal regulation of banking activity and ways of their solution
DOI:
https://doi.org/10.37772/2309-9275-2021-1(16)-6Abstract
Problem setting. In the article the basic problems of legal regulation of the banking system of Ukraine in the context of Ukraine’s unification into the European Union. The author explore the concept of the banking system, considering the imperfections security mechanisms Banking in Ukraine justifies the need to improve banking legislation and consider international experience in banking regulation.
Analysis of recent researches and publications. The general theoretical definitions of the essence of the concepts of the banking system and problems of legal regulation of banking were developed by domestic and foreign researchers, whose works formed the theoretical basis of this study, in particular: O.P. Orlyuk, M.V. Starnysky, M.I. Seleznyova, O.I. Lobozynska, O.A. Kostyuchenko, O.V. Ponedilko, K. Gavalda, J. Stufle and others.
Target of research. It has been proved that the banking system in each country is an important chain in the financial system. The sphere of the regulation of financial and legal relations which are in the process of formation and functioning of the banking system establishments has been defined.
Article’s main body. The legal regime of the arising and development of the institution of the central emission bank and the role of the central in the system of government bodies of power has been investigated. The legal status of the National Bank of Ukraine as a central body of state management with special authorities has been revealed. The legal status of the state banks of Ukraine have been researched.
Conclusions and prospects for the development. The paper reveals the financial and legal foundations of banks in the process of crediting and payments as well as cash operations and the influence of the method of the financial and legal regulation as a prevailing method in terms of the relationship under the activity of state bodies while governing the organizations of the banking system and under the regulation by National Bank of Ukraine of the relations of commercial banks with their customers. Dozens of measures have been offered to improve the banking legislature of Ukraine as well as its matching with international standards.
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