新银行监管

Oksana Kalyta, T. Gordiienko, Olena Erkes
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引用次数: 0

摘要

已经制定了一套规范乌克兰新银行活动的建议,体现了一种平衡的方法,在促进欧洲一体化的同时,确保符合要求并支持其竞争力。文章的目的是总结国外的宝贵经验,为构建有助于乌克兰新银行融入欧盟金融空间的监管和法律框架提出建议。研究基于这样一个假设:欧盟和乌克兰在新银行的组织和监管方面存在的监管差距阻碍了乌克兰新银行充分发挥其创新和竞争潜力。研究目的的实现得益于广泛的一般科学和专门方法的应用,特别是对科学来源、法律、比较、统计性能分析、案例研究、分组和系统化的全面审查,以及新银行监管政策内容的制定。考虑到新银行作为传统银行业务的替代品正在加速全球扩张,完善新银行监管体系的现实意义已得到证实。文章揭示了新银行在某些国家日益流行的发展趋势和原因,以及可在乌克兰实施的成功监管举措,以克服乌克兰新银行目前面临的挑战和威胁。本文特别强调了对欧盟国家新银行监管体系的研究,该体系以金融稳定、消费者保护和预防金融犯罪为原则。在对不同方法进行比较分析的基础上,确定了在乌克兰实施的成功举措,这将有可能使新银行部门的监管基础设施达到最佳实践水平。这种调整是必要的,因为现行监管和法律框架的不完善导致无法全面分析和有效控制新银行的活动,从而造成不确定性风险、服务的不可靠性、对安全的威胁以及对国际监管和法律要求的遵守。这降低了客户和投资者的信任度,从而阻碍了它们的国际竞争力。为确保乌克兰新银行的可持续发展,已制定了逐步建立新银行部门监管基础设施的路线图
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Neobanking regulation
A set of recommendations for regulating the activities of Ukrainian neobanks has been formu­lated, embodying a balanced approach, pro­moting European integration, while ensuring compliance with requirements and supporting their competiti­veness. The aim of the article is to extrapolate valuable foreign insights for deve­loping recommen­dations on constructing regu­latory and legal framework that will contribute to the inclusion of Ukrainian neobanks into the EUʼs financial space. The research is based on the hypothesis that the existing regu­latory gap in the organization and supervision of neobanking in the EU and Ukraine prevents Ukrainian neobanks from fully realizing their innovative and competitive potential. The research aim was accomplished thanks to the application of a wide range of general scientific and specia­lized methods, in particular a comprehensive review of scientific sources, legal, comparative, statistical performance analysis, case study, grou­ping and systematization, as well as formulation of neobanks regulation policy content. The rele­van­ce of impro­ving the regulation system of neobanks has been proven, taking into account the acceleration of the global expansion of neobanks as an alternative to the traditional banking business. The article reveals develop­ment trends and reasons for the growing popu­larity of neobanks in certain countries, as well as successful regulatory initiatives that can be adapted for implementation in Ukraine in order to overcome the challenges and threats that Ukrainian neobanks are currently facing. A parti­cular emphasis is placed on the study of the regu­latory system of neobanks in the EU countries, which is based on the principles of financial stability, consumer protection, and pre­ven­tion of financial crimes. On the basis of a comparative analysis of different approaches, successful initiatives for implementation in Ukrai­ne have been determined, which will make it possible to adapt the regulatory infrastructure of the neobanking sector to the level of best practices. Such adaptation is necessary, since the imper­fection of the current regulatory and legal framework makes it impossible to compre­hen­sively analyze and effectively control the neobanksʼ activities, which causes risk of uncer­tainty, unreli­ability of services, threats to secu­rity and compliance with international regula­tory and legal requirements. This dimini­shes trust on the part of clients and investors, thereby hindering their international compe­titiveness. To ensure the sustainable develop­ment of neobanks in Ukraine, a roadmap for the step-by-step formation of the regulatory infra­struc­ture of the neobanking sector has been developed
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