Ринок небанківських фінансових послуг: сучасний стан, негативні тенденції та перспективи розвитку

Abstract

Здійснено оцінку діяльності небанківських фінансово-кредитних установ за останні три роки. Проаналізовано основні показники діяльності ринку небанківських фінансових послуг у розрізі його основних сегментів. Визначено головні проблеми, які гальмують розвиток ринку страхових послуг, ринку кредитної кооперації та ринку недержавного пенсійного забезпечення. Зроблено висновок про необхідність негайного вирішення системних проблем на ринку небанківських фінансових послуг для його ефективного та стабільного функціонування.In the article the conducted estimation of activity of unbank finance establishments is for the last three years. Basic performance of market of unbank financial services indicators are analysed in the cut of him basic segments, namely: dynamics of basic performance of insurance market indicators; structure of gross insurance bonuses; structure of gross insurance payments; dynamics of basic indexes of the system of the non-state pension providing; distribution of participants of non-state pension fund is after the age-related groups; dynamics of basic performance of credit unions indicators; structure of credits of credit unions after kinds; structure of deposit brief-case of credit unions. Basic problems which brake market of insurance services (subzero demand of insure is on insurance services; low level of insurance payments; low level of дохідності of story insurance; diminishing to the amount of entered into contracts is from voluntarily insurance; diminishing of general assets of insurers is at the increase of insurance backlogs), market of credit co-operation (an outflow of the attracted deposit money is as a result of considerable devaluation of national currency; a higher level of effective interest rate is on credits as compared to bank institutions; falling of purchasing power of population; absence of the system of guaranteeing of holding of depositors of credit unions) and market of the non-state pension providing (low level of trust of population; a low level of profits of population is for participating in the system of the non-state pension providing; limited choice of financial instruments, suitable for investing pension money; insignificant size of investment profit, got from investing of pension money; failures to return of pension assets, which are placed on savings accounts in banks) development are certain. Drawn conclusion about the necessity of immediate decision of system problems at the market of unbank financial services for his effective and stable functioning.