The paper is devoted to the investigation of environmental, energy and economic security by multivariate analysis methods. A set of indicators selected for research conducting includes 9 parameters for each security type. Study sample is formed by data for 6 Eastern European countries (Ukraine, Moldova, Poland, Romania, Hungary and Slovak Republic) for the period 2000–2019. Empirical study was conducted by factor analysis, which allowed identifying the main components of environmental, energy and economic security. Comparison of the results obtained for the studied countries showed differentiation of individual profiles of such types of security. Investigation of integral vectors of environmental, energy and economic security showed the highest level of interaction between energy and environmental security and the lowest one between energy and economic security.
Purpose. The article is devoted to an analysis of the impact of innovative enterprises activity on ensuring the indicators of state economic security. The main emphasize was made on the innovative component analysis of the economic security in Ukraine. Place and role of stimulating innovative activity to achieve sustainable socioeconomic development and improve competitiveness of the economy is analyzed in the article. Methodology. In the article economic security of Ukraine analyzed by using two methodological approach: Methodological Recommendations on calculating the level of economic security of Ukraine, approved by the order of the Ministry of Economic Development and Trade of Ukraine and the Global Competitiveness Index. Findings. The authors determined which sectors innovation activity can increase the growth rates of economic security and which state support methods should be used to maximize the growth of innovation activity. The conducted research made it possible to find out that the activation of innovation activity as a factor in the economic security formation of the state, which operates in developed countries, is not used properly in Ukraine. Such trends in innovation development of Ukraine are connected, first of all, with low (least critical) level of science funding by the state (primarily applied character, innovation and technology transfer) and low level of funding by economic entities themselves.
The article is devoted to the study of the world insurance market development, the analysis of the factors which influence an object of the research. The role of insurance markets in the economics of each country is extremely significant. In developed countries people actively use life insurance, health insurance, property insurance and financial risk insurance. Considering that a prime purpose of insurance companies is to provide public with insurance services and protection, there is a need to pay detailed attention to the development of insurance market due to the fact that every country has its unique and distinctive insurance market character. The world insurance market can be conditionally divided according to the country’s economic development criteria. In this article we have analyzed world insurance market; the main object of analysis was the amount of insurance premiums. This analysis was conducted in several directions, namely by world regions, by economic development of countries and by economic development in the world. According to the results of the analysis of insurance premiums, there was a considerable increase in the investigated index, which might state a gradual development of a regional insurance market. It was determined that this growth occurred at the expense of the developed part of the American region insurance market, it was also figured out the distribution of shares of dynamic regions and developed regions in the world insurance market. The necessity to research dominant factors, which might deteriorate world insurance market conditions, has been proved . The amount of insurance premiums as a resultant feature was analyzed in the paper. Using the regressive and correlation analysis methods for the insurance premiums data revealed a direct strong dependence of a country’s insurance market on its gross domestic product. The mathematical model under examination was tested for adequacy, significance and reliability using appropriate indicators. The factors, which analyzed in paper , were checked for statistical significance. Gross domestic product and external balance of a country turned out to be influential factors in the process of testing. The study proves that a current condition of a country’s insurance market is primarily affected by the economic development of a country.
The efficiency of banking performance, related to ensuring reliable protection for banks from credit risk by borrowers, requires resolving multiple issues related to the analysis of their creditworthiness and reliability, as well as development of methods and models to predict the consequences of non-repayment or overdue loans from the borrowers‘ side for the further effective functioning of a bank. Taking into account a considerable amount of scientific works devoted to the research of influence of credit risk on banking there is still a necessity in improvement of existing methods of credit risk management. The article is devoted to the research of the influence of credit risk on banking in Ukraine, in regard to the analysis of the domestic and foreign approaches and methods of determining banking credit risk; quality of its management and minimization, analysis of the legislation on the definition of exposure to borrower's credit risk; analytical reviews of indicators of the banking system, in particular, research of the banking credit portfolio structure for revealing the reasons of change of particular indicators. And, consequently, their influence on the financial sustainability and bank solvency. The research pays attention to intermediary organizations as participants of contractual relations between banks and borrowers. The authors give their own vision of the efficiency of measures taken by the government to stabilize banking and assess the introduced models of banking credit risk management from a scientific perspective . The analysis of the indicators showed a growing share of non-performing loans, in particular, the number of overdue assets in the credit portfolio of banks. Which would be caused by the declining production and a decrease in the level of solvency of the population against the background of general political and economic instability in the country. The study identified the lack of effectiveness of the existing legislation related to credit policy and the work with non-performing loans, which would have contributed to the protection of the banking system from the existing credit risk and corresponded to realities of the modern state of the economy. Key words: banking, overdue assets, overdue loans, credit, credit risk, credit portfolio.
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