战争条件下的银行业:国家监管的特点

1 Pub Date : 2023-09-07 DOI:10.26565/1727-6667-2023-1-04
Ihor Veretelnikov
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引用次数: 0

摘要

文章从理论上论证了银行业作为国家监管对象的特殊性,并结合俄罗斯联邦全面入侵乌克兰所带来的挑战,提出了国家在确保银行业稳定及其进一步发展方面的影响方向和措施。事实证明,高效运作的银行业是国家经济发展的重要因素。政府的有效监管可刺激经济吸引资本,向企业和个人提供贷款,促进金融工具和服务的发展,还可调节银行活动的短期和长期风险。由于及时、迅速地通过了旨在稳定银行业的相关法案,国家银行系统经受住了战争的考验,并继续发挥作用。与此同时,有必要对国家监管这一领域的方法进行系统审查,特别是调整其目标、目的和执行机制,以保持银行系统长期稳定运行。为了在长期战争期间的国家管理实践中落实确保安全和稳定、确保流动性和金融稳定、监管灵活性、透明度和沟通、保护银行客户等原则,建议采取一系列国家措施。这些措施按以下方向分类:确保对银行的财政支持、在数字威胁日益增加的情况下确保网络安全、对银行活动的监管支持、保护银行客户的权益、建立沟通与合作渠道。会议强调了持续监测和灵活应对变化的重要性,以确保银行的有效运作,保护所有相关方的利益。有鉴于此,进一步研究的方向可能是制定一套标准体系,用于持续监测和最终评估国家银行业监管措施在各个方向的应用效果。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Banking Sector in the Conditions of War: Features of State Regulation
The article theoretically substantiates the peculiarities of the banking sector as an object of state regulation and proposes directions and measures of state influence on ensuring the stability of the banking sector and its further development, taking into account the challenges caused by the full-scale invasion of the Russian Federation into Ukraine. It has been proven that an efficiently functioning banking sector is an important factor in the economic development of the state. Effective government regulation stimulates the attraction of capital into the economy, lending to enterprises and private individuals, promotes the development of financial instruments and services, and also regulates risks in the activities of banks both in the short term and in the long term. Thanks to the timely and prompt adoption of relevant legal acts aimed at stabilizing the banking sector, the country’s banking system withstood the war and continues to work. At the same time, there is a need for a systematic review of approaches to state regulation of this area, in particular, adjustment of its goals, objectives and implementation mechanisms in order to maintain the stability of the functioning of the banking system in the long term. In order to implement the principles of ensuring security and stability, ensuring liquidity and financial stability, regulatory flexibility, transparency and communication, protection of bank clients in the practice of state administration during a long war, it is proposed to apply a set of state measures. Measures are classified according to such directions as ensuring financial support for banks, ensuring cyber security in the face of increasing digital threats, regulatory support for banking activities, protecting the rights and interests of bank clients, establishing communication and cooperation channels. The importance of constant monitoring and flexible response to changes was emphasized in order to ensure the effective functioning of banks and protect the interests of all interested parties. In view of this, the direction of further research may be the development of a system of criteria for ongoing monitoring and final evaluation of the effectiveness of the application of measures of state regulation of the banking sector in terms of individual directions.
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