Regulatory policy and institutional transformation of the banking system of Ukraine in the conditions of digitalization

Política regulatoria y transformación institucional del sistema bancario de Ucrania en las condiciones de digitalización

• Denis Shcherbatykh Cherkasy Branch of Private Higher Educational Establishments "European University", Cherkasy, Ukraine. https://orcid.org/0000-0001-5314-1884
• Ruslan Tseben Khmelnytskyi National University, Khmelnytskyi, Ukraine. https://orcid.org/0000-0003-4202-9779
• Nataliia Valkova Khmelnytskyi National University, Khmelnytskyi, Ukraine. https://orcid.org/0000-0003-1013-5032
• Svitlana Jereleiko Khmelnytskyi Cooperative Trade and Economic Institute, Khmelnytskyi, Ukraine. https://orcid.org/0000-0002-4018-2481
• Pavlo Nagorny Khmelnytskyi Cooperative Trade and Economic Institute, Khmelnytskyi, Ukraine. https://orcid.org/0000-0002-3569-2313

DOI: https://doi.org/10.46398/cuestpol.4075.03

Palabras clave: política regulatoria, desarrollo institucional, transformación institucional, instituciones bancarias, digitalización y tecnologías de la información

Resumen

La transformación del sistema bancario se debe a las modernas tendencias globales y a los procesos de digitalización, que contribuyen a incrementar la eficiencia del funcionamiento del sistema bancario y su competitividad. El objeto de este estudio es el análisis de la política regulatoria y la justificación de los fundamentos de la transformación institucional del sector bancario en las condiciones de la digitalización. La investigación realizada permitió analizar la política regulatoria y establecer los fundamentos de la transformación institucional del sector bancario en las condiciones de la digitalización para incrementar la eficiencia de sus actividades y la competitividad, lo que significa: encaminar el sistema bancario a fusionarse con el sistema financiero mundial; transformación del funcionamiento del Banco Nacional de Ucrania en la dirección de crear funciones económicamente adaptables y, al mismo tiempo, aplicar mecanismos conductuales de influencia en las instituciones bancarias; aplicación de métodos de rehabilitación preventiva de bancos en problemas; aumentar la estabilización del sistema bancario debido al fortalecimiento del papel de los bancos privados; ampliación de las funciones del Fondo de Garantía de Depósitos de particulares, e; implementación de tecnologías digitales en las actividades de las entidades del sector bancario.

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