Rysin V. Resource policy of commercial banks

The thesis work focused on the economic essence of commercial banks' resource policy, its structural elements and principles of formation. The essence of commercial banks' resource policy is considered.The scientific-methodic approach to the resource policies structuring, which involves its three main structural elements allocation (accumulative, capital-generating, and anti-money laundering policies), is substantiated. The methodological approaches to the classification of resource policy and the factor affect it are worked out. The theoretical-methodological bases of commercial banks' resource policy formation and implementation on the financial market in condition of crisis spreading are developed. The evaluation of Ukrainian banks' resource policy realization in the context of its main components is made. The characteristic features of separate bank groups' resource policy and the main problem of its realization on Ukrainian financial market in crisis condition are considered. The ways of improving the efficiency of banks' resource policy in the areas of banking sector's resource base formation, capitalization and reducing dependence on subsidies from the government, risk management of credit and investment policies, are recommended. The complex of scientific, methodological and practical approaches to improving anti-money laundering policy in order to reduce vulnerability of banks on money laundering and terrorist financing, which implies risk assessment using a matrix approach and the diagram of money laundering risk assessment by clients. A mechanism of ensuring resource stability of the banking sector, based on improving the safety of financial instruments, financial markets and commercial banks, is worked out. The mechanisms of commercial banks' resource policy systemic risk minimization are recommended. They are directed at mitigating the negative impact of the environment and economic development procyclicality on the banking sector.