The matter of central banks in banking systems

Abstract

This article gives a more precise to classification of banks, it includes analysis of such notions as «governmental-», «central-»,»national bank» and «bank of issue». The problem of modern banking system is also reflected in the article. It offers directions of improvement and modernization of this financial institution. Comparison of opinions of different economists about notion «banking system». General and specific references of the Ukrainian banking system are determined in the article. The structure of banking system is defined more exactly and schematic represented. A role of the National Bank of Ukraine, it’s functions in the banking system are examined. The article shows indexes of commercial banks in 2013-2014 period. The list of the most reliable and solvent banks is adduced. In obedience to these rating agencies by the state on 01.01.14 most banks after assets are: «Pryvatbank», «Ukreksimbank», «Oshchadbank», «Rayffayzen Bank Aval», «Prominvestbank». Most solvent on the national rating scale of uaAAA is: «UniCreditBank» «Ukrsybbank» «VTB» «Credit Agricole Bank» «Ukreximbank». According to the deposit index of FUDI (First Ukrainian Deposit Index) the best banks for storage of contributions to the hryvnyas, dollars and euros are: «Ukreximbank», «Oshchadbank», «Ukrsotsbank» «Ukrsybbank» and «Rayfayzen Bank Aval». Efficiency of this system was defined by analyzing of GDP level, inflation indexes and fluctuations in the rate of exchange (hrn/dollar).