Levels of banking system of the country

Oleksandr Syrchyn
PhD in Economics, Associate Professor, Department of Banking, Odessa National Economic University, е-mail:als.odessa.oseu@yandex.ua

Cite this article:

Syrchyn, О. (2015), Levels of banking system of the country. Ed.: M. Zveryakov (ed.-in-ch.) and others [Rivni orhanizatsii bankivskoi systemy krainy; za red.: M. I. Zveriakova (gol. red.) ta in.], Socio-economic research bulletin (ISSN 2313-4569), Odessa National Economic University, Odessa, Issue 2, No. 57, pp. 289–296.

Abstract

The main elements of the approach to the organization of the banking system, which optimizes the association of the banking system reliability and flexibility of filling the country’s economy credit resources within a common economic policy, are developed in the article. It is justified, that the main problem of the banking organization of the country is that the two-tier banking system is internally unstable (contradiction between profitability and liquidity management of the bank, cannot be adequately assessing the future risks, the asymmetry of information, etc.). This is confirmed by the types of processes of financial and economic crisis. A partial solution to this problem by going to the organization of the banking system, consisting of three levels – the central bank, clearing banks, deposit banks is suggested.

Keywords

banking system; the principle of redundancy of the bank; financial and economic crisis; the central bank; the clearing bank; the depositary bank.

JEL classification: G210

UD classification: 336.7

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