UDC 336.7-026.564; JEL C81, G21
Pylypiv, N., & Pyatnychuk, I. (2018). Zarubizhnyy dosvid zmitsnennya finansovoyi stiykosti bankiv [Foreign experience of strengthening financial stability of banks]. In Sotsial'no-ekonomichni problemy suchasnoho periodu Ukrayiny [Socio-Economic Problems of the Modern Period of Ukraine]: Vol. 134 (6) (pp. 122-128). Retrieved from http://ird.gov.ua/sep/doi/sep2018.06.128. [in Ukrainian].
Sources: 12

Authors



Pylypiv Nadiya Ivanivna

Doctor of Economics, Professor

Head of the Department of theoretical and applied economics of the Faculty of Economics of the Vasyl Stefanyk Precarpathian National University

Contacts: pylypiv@il.if.ua, npylypiv@gmail.com

Webpages:

Pyatnychuk Iryna Dmytrivna

Ph.D. of Economics

Assistant of the Department of management and business administration of the Vasyl Stefanyk Precarpathian National University

Contacts: irynapy@gmail.com

Webpages:

Resume

The article examines the foreign experience of using analysts in the banking sector in order to strengthen the financial stability of banks in a modern, changing and dynamic business environment. In the national scientific and special economic literature, the issues of the use of banking analysts remain practically unprocessed. The results of the analysis of the stability of the banking sector have confirmed the sufficient capitalization of banks under the conditions of the basic macroeconomic scenario. At the same time, financial institutions must build up capital to have a safety margin in case of a crisis. In 2018, stress testing of the largest banks revealed that about half of the financial institutions under review may require additional capital in a deep-seated crisis. Financial institutions without a sufficient margin of crisis in case of a crisis must fundamentally restructure their balance sheets and review the business model. The most promising technologies for investing in the banking sector are determined based on the data of the world's companies: cloud technologies, data and analytics, mobile technologies. Since the term "analyst" has not been interpreted in the domestic literature, the authors’ vision of this term is formed. Thus, the term "analyst" is: 1) the process of detecting, processing, interpreting data, identifying patterns and forming models (templates) with their subsequent transfer in the use of special information technology in order to make effective decisions; 2) information obtained as a result of carrying out analytical operations with the help of special information technologies, which will be used as knowledge, models of behaviour for making scientifically substantiated decisions. According to the results of the study, methods of using prognostic analytics in the banking sector have been identified, which will help to strengthen the financial stability of banks. These include: fraud detection, data validation, customer involvement and retention, knowledge of consumer habits, cross-selling, collection, cash planning and liquidity, marketing optimization, customer lifetime, feedback management.

Keywords:

analytics, banking, banks, financial stability, foreign experience

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