创新银行投资技术作为新兴经济中反危机管理的工具

O. Nieizviestna, V. Koverza, N. Ivanova, М. Shendryhorenko
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引用次数: 0

摘要

目标。本文的目的是通过国外经验的棱镜,研究在新兴经济体中使用艺术银行作为危机管理工具的可能性。在撰写文章时,运用了经济过程科学研究的一般方法和特殊方法,特别是系统方法、比较方法、分组方法、详细方法、概括方法、统计分析方法等。探讨了在经济日益发展和各种冲击的条件下,艺术银行作为一种反危机管理工具的可能性。确定艺术资产在不稳定的政治事件,战争时期和极端情况下表现出特殊的价格稳定性,这增加了它们作为另一种投资形式的兴趣。本文分析了2009年以来全球艺术品和古董的销售情况,包括网上销售情况。值得注意的是,尽管出现了包括新冠肺炎疫情在内的众多危机现象,但艺术市场并没有失去价值。因此,对艺术品投资的需求刺激了艺术品银行的发展。概述了复杂的艺术银行服务,这可能是在银行机构的武器库。通过对全球艺术市场主要趋势的分析,对一系列艺术银行服务和艺术投资选择的考虑,作者概述了乌克兰艺术资产投资模式的前景。强调的是,乌克兰银行机构的客户有财务机会进行艺术投资。然而,在经济总体不稳定和新冠肺炎疫情长期发展的情况下,国内银行机构很难开展一系列艺术银行业务,并提供艺术投资选择。作者建议关注在艺术品数字化和引入区块链技术方面使用最新创新技术的可能性。将艺术品分成可以由多个买家购买的艺术促销品或加密代币,将使艺术市场民主化,并改变传统的艺术品买卖模式。有人强调了以下措施的明显优势:迄今为止难以在艺术领域进行重大购买的低收入个人和小投资者有机会拥有昂贵艺术品的部分,从而使其投资组合多样化,银行机构有机会为他们提供门户服务,同时获得银行业务发展的新机会。为了寻找潜在的投资者,银行可以使用大数据技术,借助数字痕迹和客户画像,可以为艺术品银行做广告,并提出艺术品投资方案的建议,这些建议目前对银行的客户来说是实际的。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
INNOVATIVE BANKING INVESTMENT TECHNOLOGIES AS A TOOL OF ANTI-CRISIS MANAGEMENT IN THE EMERGENT ECONOMY
Objective. The objective of the article is to study the possibilities of using art banking as a tool of crisis management in an emergent economy through the prism of foreign experience. Methods. In preparing the article, general and special methods of scientific research of economic processes are used, in particular, a systematic approach, comparison, grouping, detailing, generalization, methods of statistical analysis, etc. Results. The possibilities of art-banking as a tool of anti-crisis management under conditions of growing emergent of economy and various kinds of shocks art investigated. It is determined that art-assets demonstrate exceptional price stability in the time of unstable political events, periods of wars and extreme situations, which increases their interest as an alternative form of investment. The analysis of world sales of art and antiques, including online since 2009 is made. It is noted that despite the numerous crisis phenomena, including the COVID-19 pandemic as well, the art market does not lose its value. As a result, the demand for art investing stimulates the development of art banking. An overview of the complex of art banking services, which may be in the arsenal of banking institutions is made. The analysis of the main trends in the global art market, consideration of a range of art banking services and options for art investment allows the authors to outline the prospects of the model of investing in art assets in Ukraine. It is emphasized that the clients of Ukrainian banking institutions have financial opportunities to make art investments. However, under conditions of total economic instability and long-term development of the COVID-19 pandemic, it is difficult for the domestic banking institutions to develop a range of art banking services and offer the art investment options. The authors suggest paying attention to the possibility of using the latest innovative technologies in terms of digitization of art objects and the introduction of block-chain technologies. Dividing artwork into art promotions or cryptographic tokens that canbe purchased by multiple buyers will democratize the art market and revise the traditional patterns of purchasing and selling artworks. There has been emphasized the obvious advantage of the following measures: low-income individuals and small investors, who have hitherto found it difficult to make the significant purchases in the art sphere, obtain the opportunity to own the parts of the expensive art objects and thus diversify their investment portfolios, and the banking institutions are given the opportunity to serve them as a gateway, while gaining new opportunities in the development of the banking business. For searching the potential investors, banks are offered to use the Big Data technology, that with the help of the digital traces and the portraits of customers will be able to advertise art banking and come up with the proposals for art investment options which are actual to a bank’s client at the moment.
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