Fyoklin D. Regulating influence of the state on functioning the banking institutions

Object of research - state regulation of economy in conditions of the market. The purpose of research - development of the effective regulating mechanism with which help the state has an opportunity to direct on macrolevel credit policy of bank institutes so that to supply both stability in a banking system, and development of national economy. Methods of research: economic-statistical, economic-mathematical methods, and also methods of the analysis and synthesis, induction and deduction, comparative characteristics. The practical significance of the received results consists in development of the concrete recommendations on application of financial methods in state regulation of activity of bank institutes. The scientific novelty of the received results are, that for the first time a question of taking into account during state regulation of bank institutes of features of their functions, stability of a banking system, the priority areas of economy with allowance for of credit-investment policy of a business bank, protection of interests of the investors are determined; the components of the financial mechanism of state regulation of bank institutes adapted to a domestic banking system are offered. Classification models of principles and functions of state regulation of banking; the acting tools of regulation of banking by introduction of insurance of the contributions with differentiation of insurance depending on their size; profitableness model of an ownership capital adapted to conditions of activity of the Ukrainian banks and an opportunity of its use by state bodies of regulation of banking, are advanced. Essence of the financial mechanism of state regulation of bank institutes, as generalized model of actions, methods and tools of the state necessary for achievement of long-term objectives of business banks on optimization of a parity between satisfaction of needs of the clients and maximization of the bank income by re-structuring and redistribution of financial resources with the purpose of stabilization of the incomes; classification of financial methods of state regulation of banking economic methods, allocated from system, of state regulation and shared on three group; directions of crediting of the bank enterprises, which will grant an opportunity to the state to carry out real support of small business.