Financial supermarket as a complex models of the system of improving quality of financial services

Volodymyr KOSTETSKYY, Andriy BUTOV

Анотація


Introduction. The problems of efficient functioning of financial intermediaries in general and integrated financial intermediaries - financial supermarkets in particular, which are created as a result of integration-convergent processes in order to expand the spectrum of financial services, are today topical issues that should be in the field of scientific research.

Purpose. Finding out the place of financial supermarkets among financial intermediaries operating in the financial market and the theoretical substantiation of their role in building a model of the system for improving the quality of financial services.

Results. The tendencies of development of financial intermediaries in the conditions of globalization are determined and on this basis the factors, which determine the transformation of their functional purpose, are substantiated. The analysis and systematization of theoretical and practical aspects connected with the estimation of prospects of financial supermarkets in comparison with traditional methods of realization of financial services is carried out. The advantages and disadvantages of functioning of financial supermarkets and the main barriers that hinder their proliferation on the financial market of Ukraine are determined.

Conclusion. Financial supermarket is a new form of distribution of financial services that meets the economic and technological requirements of the modern world. Principal features that distinguish it from other financial intermediaries give it a number of competitive advantages. However, domestic realities show the existence of a large number of barriers that impede the creation and development of financial supermarkets in Ukraine. Overcoming them will allow the expansion of the market of integrated financial intermediaries and lead to the development of new forms of functioning of financial capital.


Ключові слова


integrated financial intermediaries; financial supermarkets; banks; insurance companies; financial institutions

Повний текст:

PDF>PDF

Посилання


Zymovets, V. V. (2004). Finansove posered-nytsvo [Financial intermediation]. Kyiv : KNEU [in Ukrainian].

Tkachenko, N. V. (2014). Vplyv globalizatsi-ynykh protsesiv na rozvytok finansovykh posered-nykiv [The impact of globalization processes on the development of financial intermediaries]. Naukovi zapysky Natsionalnoho universytetu “Ostrozka ak-ademia” - Scientific notes of the National University of Ostroh Academy, 26, 81-88 [in Ukrainian].

Oliynyk, H. I. (2016). Osoblyvosti obied-nannia banku i strakhovoi kompanii u mezhakh finansovoho supermarketu [Features of the association of the bank and the insurance company within the financial supermarket]. Ekonomika i derzhava -Economy and the state, 7, 58-61 [in Ukrainian].

Kubiv, S. I. (2006). Vsi vydy finansovykh posluh - v odnomu ofisi [All types of financial services -in the main office]. Kredobiznes - Kredobusiness, 2, 4-7 [in Ukrainian].

Kleba, L. G. (2012). Finansovyi supermarket - innovatsiyna model rozvytku komertsiyno-hgo banku [Financial supermarket - an innovative model for the development of a commercial bank]. Visnyk Natsionalnohgo universytetu “Lvivska poli-tekhnika”- Bulletin of Lviv polytechnic national university, 725, 103-110 [in Ukrainian].

Makarenko, E. (2001). Osnovy vzaimodeist-via bankov i strakhovykh kompanii [Basics of interaction between banks and insurance companies]. Finansovaia gazeta - Financial newspaper, 40, 12-13 [in Rusian].

Shevelev, N. A. (2011). O protivorechii poniatia “finansovyi supermarket” [On the contradiction of the concept of “financial supermarket”]. Uchenye zapiski fakulteta ekonomiki i prava MHTU - Scientific notes of the faculty of economics and law of the MSTU, 1, 50-53 [in Rusian].

Kremen, V. M. (2009). Finansovi konhlomeraty v systemi finansovykh poserednykiv [Financial conglomerates in the system of financial intermediaries]. Problemy i perspektyvy rozvytku bankivs-koi systemy Ukrainy - Problems and prospects of development of the banking system of Ukraine, 25, 328-335 [in Ukrainian].

Medvedeva, I. B. & Smirnova, Yu. V. (2009). Napriamy intehratsiynoho rozvytku banku [Areas of integration development of a banking institution]. Zbirnyk naukovykh prats Natsionalnoho universyte-tu Derzhavnoi podatkovoi sluzhby Ukrainy - Collection of scientific works of the National university of the State tax service of Ukraine, 1, 193-197 [in Ukrainian].

Horoshchenko, L. (2011). Finansovyi supermarket kak sostavliaiushchaia modeli kachestva klientoorientirovanych usluh [Financial supermarket as a component of the quality system model of customer-oriented services]. Resursy informatsia, snabzhenie, konkurentsia - Resources, information, supply, competition, 4, 595-597 [in Rusian].

Zakon Ukrainy “Pro finansovi posluhy ta derzhavne reguliuvannia rynkiv finansovykh po-sluhg” [The Law of Ukraine “On financial services and state regulation of financial services markets”]. (2001, July, 12). Available at : http://zakon3.rada. gov.ua/laws/show/2664-14.

Postolitak, V. (2005). Sposoby obiednan-nia dialnosti finansovykh ustanov ta yurydychnykh osib, yaki ne ye finansovymy ustanovamy, ale maiut pravo nadavaty finansovi posluhy [Ways to combine the activities of financial institutions and legal entities that are not financial institutions but have the right to provide financial services]. Finansovyi rynok Ukrainy - Financial market of Ukraine, 4 (18), 18-26 [in Ukrainian],

Zakon Ukrainy “Pro banky i bankivsku dialnist”[The Law of Ukraine “On Banks and Banking”]. (2000, December, 7). Available at : http://zakon2. rada.gov.ua/laws/show/2121-14.

Larionova, K. L., & Chubata, O. S. (2009). Upravlinnia stratehichnym spivrobitnytstvom bankiv ta strakhovykh kompanii v mezhakh finansovoho supermarketu [Management of strategic cooperation between banks and insurance companies within the financial supermarket]. Nauka i ekonomika - Science and economics, 3 (15), 69-77 [in Ukrainian].

Kostohryz, V. H. & Liuzniak, M. E. (2010). Finansovyi supermarket yak perspektyvnyi napriam dystrybutsii finansovykh posluh [Financial supermarket as a promising direction of distribution of financial services]. Visnyk Universytetu bankivskoi spravy NBU - Bulletin of the University of banking of the national bank of Ukraine, 3 (9), 241-245 [in Ukrainian].

Kots, O. O. & Skrobach, I. I. (2014). Perspektyvy dialnosti finansovykh supermarketiv v Ukraini [Prospects for financial supermarkets in Ukraine]. Visnyk Universytetu bankivskoi spravy NBU - Bulletin of the University of banking of the national Bank of Ukraine, 2 (20), 173-177 [in Ukrainian].




DOI: https://doi.org/10.35774/sf2017.03.060

Посилання

  • Поки немає зовнішніх посилань.


ISSN 1818-5754 (print), ISSN 2415-3672 (online)
Ternopil National Economic University
© "WOF", 2004-2019