Basic aspects of formation and realization of the banks interest policy

Olena Leonidivna Malakhova


Introduction. In the article we have considered the essence, the types of bank interest rate policy at the macro and micro levels and factors that determine it.

Purpose. The aim of the study is to analyse scientific approaches to the nature of the interest rate policy of banks and single out the factors that determine it in the conditions of an unstable economic system.

The method (methodology). On the basis of the dialectical method of knowledge it has been held the generalization of scientific approaches to the economic nature, objectives and tasks of the bank interest rate policy. To study the impact of economic factors we have applied statistical techniques, methods, feasibility and financial analysis and observation.

Results. The results of the analysis of the dynamics of interest rates have shown that the interest rate policy is one of the key and at the same time complicated mechanisms of regulation of deposit and loan policy. We have considered interest rate policy objectives in the short and long run and singled out factors affecting macro- and microeconomic nature of the formation and implementation of interest rate policy of the Bank. It has been analyzed the sequence of formation of the latter and the likelihood of adverse external factors in the current conditions of the banking sector in Ukraine.


interest; interest rate policy; discount rate; deposit operations; credit products; impacts on interest rate policy

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Science Works Journal "Ekonomichnyy analiz"

ISSN 1993-0259 (Print)  ISSN 2219-4649 (Online) DOI: 10.35774/econa

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