The dissertation offers a new solution to the current scientific and applied problem. The author proposed a theoretical and methodological approach to building a modern mechanism for ensuring financial and economic security of Ukraine. The author proved that the issue of ensuring the security of the state and its individual components is extremely relevant today.
Based on the analysis of the conceptual and categorical apparatus of financial and economic security, we proposed the author's definition of financial and economic security as a complex multilevel system that qualitatively characterizes the state of economic development, is a component of economic security, determining the ability to provide the required level. and factors, subject to the principles of sustainable development, independence, ensuring competitiveness, efficiency and focus on development within the set goals, which allows the smooth implementation of the governing bodies of their chosen policy and allows to integrate effective financial and economic security into the national security priorities.
It is substantiated that decentralization is a complex systemic mechanism of public administration, and the processes of decentralization implementation require development and implementation of specific mechanisms and management decisions to overcome growing asymmetries in terms of financial capacity and deepen disparities in intraregional and interregional social asymmetries. turn, will avoid the formation of local consumer priorities and interests in the united territorial communities.
It is concluded that the domestic banking system has been and is under the influence of domestic political and economic crises, there is an increase in the share of overdue loans, and the liquidation of more than 90 commercial banks has led to an increase in foreign capital in the share capital of banks. domestic banking system; the insurance segment of the financial market has negative trends because the level of insurance penetration had a clear tendency to decrease, and the density of insurance increased due to the natural population decline, which leads to a reduction in the investment potential of insurers; the level of security of the non-banking financial sector of Ukraine is critical, creating additional threats to the entire financial system of Ukraine and making it vulnerable to global risks; domestic monetary policy is inefficient, which does not create monetary conditions for internal balance and optimal inflation, does not provide financial and price stability; the high level of the state budget deficit causes problems in the field of budgetary and financial security; Ukraine's gold and foreign exchange reserves are the limit of reserve adequacy; the wrong policy of the National Bank of Ukraine leads to the unnatural strengthening of the national currency.
For information support of the assessment of financial and economic security of the state, the following sources of input data were used: statistics of the National Bank of Ukraine, in particular, supervisory, financial and external sectors, as well as the main macroeconomic indicators; national commission for state regulation in the field of financial services markets; Ministry of Finance of Ukraine; National Commission on Securities and Stock Market; State Statistics Service of Ukraine and current legislation.
Based on the results of the analysis, practical recommendations for ensuring the financial security of the state have been developed: resumption of bank lending to the real sector of the economy with a simultaneous reduction in the share of non-performing loans is possible only after returning to the trajectory of economic growth. Attempts to intensify this process in the current environment will increase credit risk; development of stock and insurance markets need state attention, as they are in critical condition; planning of public finances should take place in a deficit-free budget, as the problem of public debt will tend to deepen. Also, the reduction of local budget revenues is unacceptable; In order to prevent mass defaults, the banking system should take measures to prevent lending to insolvent businesses and households.
