Механізм імплементації інновацій в банківський сектор національної економіки України

Abstract

В ході наукового дослідження було визначено основні напрямки інноваційної складової в банківському секторі національної економіки України. Зазначено, що банківські інновації є відображенням розвитку надання банківських послуг. Виявлено основні моменти для впровадження інновацій в банківський сектор національної економіки України. Зображено взаємозв’язок потенціалу розвитку інновацій та фінансових показників банківського сектору України

During the research, the main directions of the innovation component in the banking sector of the national economy of Ukraine were identified. It is noted that banking innovations reflect the development of providing banking services. The main points for introducing innovations into the banking sector of the national economy of Ukraine are revealed. The relationship between the potential of the development of innovations and financial indicators of the banking sector of Ukraine is illustrated. The article describes the directions of development of the banking sector of the national economy of Ukraine. The introduction of innovations in the banking sector in the direction of deposit and credit services in Ukraine is substantiated. The basic elements of implementation of innovations in banking processes are formed. The mechanism of implementation of innovations depending on thе structure of financial indicators in the banking sector of the national economy of Ukraine is developed not only deposit, credit and commission activities of the banking sector of the national economy of Ukraine require improvement, as one of the main sources of accumulation of financial capital, but also trading financial instruments with a large financial potential for growth of economic indicators. Most of the banks are banks with international capital and, accordingly, international experience as well. Based on financial results we can say that innovations in the banking sector of the national economy of Ukraine are, first and foremost, indicators of income from all types of activities of banking institutions in the Ukrainian economy. Therefore, formulating the main priorities of the banking sector of the national economy of Ukraine, it’s necessary to mention that the level of innovation has not reached its limit. The current situation of the banking sector of the national economy of Ukraine requires more capitalization and attention to the main items of income, in particular interest income. But, unfortunately, trading operations in the banking sector form a small part in the financial results of banking institutions. The introduction of innovations is a key element of the result of banking activity, the more successful the banking institution is, the greater is the share of innovative activities.