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Білько, Олександр Павлович (2014)
Publisher: Національний Авиаційний Університет
Languages: Ukrainian
Types: Unknown
Subjects: кредитне законодавство, кредит, кредитні відносини, УДК 336.71 (045), кредитное законодательство, кредит, кредитные отношения, credit legislation, credit, credit relations
У статті аналізуються норми чинного законодавства України, якими регулюються кредитні відносини, а також пропонуються шляхи удосконалення національного законодавства у сфері кредитування. В статье анализируются нормы действующего законодательства Украины, которыми регулируются кредитные отношения, а также предлагаются пути усовершенствования национального законодательства в сфере кредитования The norms of current legislation of Ukraine that is regulate credit relations are analysed in the article, and also the ways of improvement of national legislation in the field of crediting are offered. English abstract O. Bilko Description of credit legislation and its defects. According to the opinion of many practical bankers, the norms of the current legislation of Ukraine, regulating credit relationships do not completely correspond to the up-to-date demands. Not all present legislative and normative documents regulating the bank credit operations are systematic therefore they do not provide credit market development in Ukraine. Furthermore, the provisions of many current normative legal acts have some considerable differences and contradictions. All these factors impede the process of the credit portfolio rising for the commercial banks and consequently do not allow satisfying the growing demands of the economy of the state in full measure. The Board of the National Bank of Ukraine has changed normative acts (instructions, provisions, regulations) on some credit activity issues many times during the years of the state independence. The commercial banks can be recommended to do the following as for the credit market regulation improvement: - to create departments for the mortgage assessment and accept export assessment as an additional information; - the maximum credit sun should depend on the mortgage liquidity, that is on the sum the mortgage can be transferred into within the shortest period of time, taking into account the interests spent on mortgage sale and legal expenses; - to take into account the statistics of the mortgage value reduction within the period of time while making the schedules of the debts repayment as well as the expenses on possible preterm mortgage recovery and its sale.
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