ФОРМУВАННЯ РЕГІОНАЛЬНОЇ ПОЛІТИКИ РОЗВИТКУ БАНКІВСЬКОЇ СИСТЕМИ УКРАЇНИ В КОНТЕКСТІ СУБСИДІАРНОСТІ НАЦІОНАЛЬНОГО ТА РЕГІОНАЛЬНОГО РІВНІВ

Abstract

Introduction. Asymmetry of economic development and banking systems updates the necessity for the development of conceptual principles of the regional policy of the banking system of Ukraine through the prism of subsidiarity of national and regional levels. Меthods. Theories of Regional Studies, Finance, Credit theory, theory of state regulation of the economy, spacial development, labor, domestic and foreign scholars on the formulation and implementation of regional policy in the field of banking, abstract and logical, historical, empirical methods of observation and comparison were widely used in the research. Results. It was scientifically grounded the necessity of regional banking system on decentralization principles and subsidiarity distinguishing benefits of development in the economic, social and ideological spheres. New methodical approach in determining the degree of regionalization of the banking system was proposed. Discussion. Further development of regional banking systems is carried out through the development of conceptual bases of the regional policy perspective formation, taking into account the importance of stabilization and modernization breakthrough in providing credit and investment support economic development regions. Further research in this area should be based on the reform of administrative and territorial structure, decentralization of power and transformation functions of the banking system at the national and regional levels.