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The Problem of Ensuring an Efficient Regulation of the Banks’ Liquidity in Current Conditions
Chibisova V. Y.

Chibisova, Viktoriia Yu. (2020) “The Problem of Ensuring an Efficient Regulation of the Banks’ Liquidity in Current Conditions.” Business Inform 2:350–357.
https://doi.org/10.32983/2222-4459-2020-2-350-357

Section: Finance, Money Circulation and Credit

UDC 336.71

Abstract:
The importance of liquidity in the current conditions of functioning and development of financial markets, the growth of global banking competition and the need to maintain stability of the entire banking sector of the country are characterized. The factors that contributed to the development of the global process of liquidity regulation of banking activities and ensured the formation of modern approaches to understanding its essence are allocated. The main views of scholars on the characterization of the concept of «liquidity regulation» are considered, as well as the definition of this concept from the position of two levels of banking activity: micro-level (liquidity of a separate banking institution) and macro-level (liquidity of the banking system) is suggested. Three main objectives of the banks’ liquidity regulation are allocated: 1) reducing the impact of uncertainty on the bank’s risk profile; 2) creating a liquidity buffer; 3) mitigation of systemic characteristics of the liquidity crisis. It is proved that in today’s operating environment, when building an effective process of regulating the liquidity of banks, it is necessary to take into account the course of financial cycles, on the basis of which the weighted regulatory instruments are determined. The importance of moving from the pro-cyclical to the countercyclical regulation in order to prepare the system for possible future liquidity fluctuations is emphasized.

Keywords: liquidity, liquidity regulation, instruments for liquidity regulation, monetary and credit policy, financial cycle.

Fig.: 1. Bibl.: 20.

Chibisova Viktoriia Yu. – Postgraduate Student, Department of Economics and Management, University of Banking (1 Andrіivska Str., Kyiv, 04070, Ukraine)
Email: [email protected]

List of references in article

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