Skorobohach O. Functioning of small and medium-sized banks of Ukraine in the conditions of instability in the financial markets

Object ? the process of small and medium-sized banks functioning in Ukraine. Purpose ? theoretical foundation and develop practical recommendations for improving the functioning of small and medium-sized banks in Ukraine in terms of instability in financial markets. Methods ? the methods of analysis, synthesis, comparison, generalization; method causation and abstract logical method. Results ? scientific substantiation of theoretical and methodological principles of the functioning and development of small and medium-sized banks in Ukraine, forming conclusions and practical recommendations for improving their functioning in conditions of instability in financial markets. Novelty ? the approaches to determining the instability in financial markets as a cyclical phenomenon of an objective reality environment functioning of small and medium-sized banks are improved; further justification the role of small and medium-sized banks in the economy gained; processes of small and medium-sized banks restructuring by isolating redemption substandard assets in the form of a «bridge bank» and «hospital» bank to help small and medium banks get rid of troubled assets and ensure the stability of their operation in order to further finance the national economy were further developed; a strategy of differentiation in the management of small and medium-sized banks in the form of individualization enhance client relationships is justify; the process approach to the organization of small and medium-sized banks by applying principles and technology to build strategic goals and objectives within the methodology of Balanced Scorecard (BSC - balancedscorecard), which serves as a universal tool for building most of the business processes in the innovation activity of small and medium-sized banks, which make it possible to identify causal relationships of appearance of problems and the establishment of the perpetrators took the further development; client-oriented approach to the management of small and medium-sized banks is developed and a list of indicators that point to the efficiency of business processes in small and medium-sized banks is developed. They are implemented in practice PJSC «Zlatobank», JSC «Lviv», «Folksbank». Scope ? the activity of the National Bank of Ukraine, the Association of Ukrainian Banks.Industry - economics.