Suchergebnisse

The essence of such concepts is "financial service", "financial services market", and "participants of the financial services market"; determined the purpose of state regulation of the financial services market; forms of state regulation of the financial services market; financial services that are present in the financial services market; the structure of state regulation bodies of the financial services market in Ukraine is given; The role of state bodies in the regulation of the financial services market was studied; to characterize the regulatory legal regulation of the financial services market in Ukraine; the main problems of functioning of the domestic market of financial services are revealed; ways to solve existing problems. It is grounded that the state regulation of financial services markets consists in the state's implementation of a set of measures aimed at regulating and overseeing financial services markets to protect the interests of financial services consumers and preventing crisis phenomena. It is concluded that the financial services market is an important element of the development of the economy as a whole, in particular, it concerns not only the state but also society. We must understand that when this market is settled, that is, all bodies that carry out state regulation are competent in their powers, only then will we make informed, effective decisions about the normal and effective functioning of the RFP. It is important that the data of the subjects of control do not overlap, their activities should be fixed at the legislative level. It is also worth bearing in mind that appropriate conditions must be created to create compensatory mechanisms in the financial services markets by developing a system for guaranteeing deposits and providing for payments under long-term life insurance contracts, non-state pension provisions, deposits with deposit accounts to credit unions, etс.

The essence of such concepts is "financial service", "financial ser- vices market", and "participants of the financial services market"; determined the purpose of state regulation of the financial services market; forms of state regu- lation of the financial services market; financial services that are present in the financial services market; the structure of state regulation bodies of the financial services market in Ukraine is given; The role of state bodies in the regulation of the financial services market was studied; to characterize the regulatory le- gal regulation of the financial services market in Ukraine; the main problems of functioning of the domestic market of financial services are revealed; ways to solve existing problems. It is grounded that the state regulation of financial ser- vices markets consists in the state's implementation of a set of measures aimed at regulating and overseeing financial services markets to protect the interests of financial services consumers and preventing crisis phenomena. It is concluded that the financial services market is an important element of the development of the economy as a whole, in particular, it concerns not only the state but also society. We must understand that when this market is settled, that is, all bodies that carry out state regulation are competent in their powers, only then will we make informed, effective decisions about the normal and effective functioning of the RFP. It is important that the data of the subjects of control do not overlap, their activities should be fixed at the legislative level. It is also worth bearing in mind that appropriate conditions must be created to create compensatory mecha- nisms in the financial services markets by developing a system for guarante- eing deposits and providing for payments under long-term life insurance contracts, non-state pension provisions, deposits with deposit accounts to credit unions, etс.

Financial services market is a complex system of different interrelations between economic entities. The importance of such market development from the position of providing stable dynamic development of the country's economy is difficult to overestimate. At the present moment such market virtually permeates all branches of industry and national economy. That's why performing of new investigations in the sphere of knowledge of theoretical, methodical and methodological peculiarities of functioning and development of financial services market is actual. The identification of different by their nature features, under which the types of this market can be determined, is separate component of deepening theoretical principles of the mentioned market functioning. The article aims to identify the main features, under which the systematization and classification of the types of financial services market is conducted. It is offered within the article to consider financial services market as the combination of economic relations, which arise by realization of non-material form of interrelation results, characterized by use value, between entities in the process of satisfying by some participants (producers) of financial needs of the others (consumers) on the mutual benefit of their interests agreeing on their own account, on the customers' account or on the account of attracted financial resources of other entities in accordance with the current legislation with the purpose to get profit, to preserve the assets value or to achieve social effect from the realization of such interaction. Such approach allows to consider financial services market as integrated research facility and, taking this into account, to offer the classification of its types. It is emphasized that in the majority of scientific works, which have been analyzed, the attention of scientists is related to the investigation of segment structure of financial services market, that is not its classification. With account of that, in the article the main characteristics, under which the following types of such market are defined: in accordance with the legislation, by the method of development, by the level of regulating, by scale, by the character of functioning, by the level of integration into world economy, by development level; by the level of activities freedom, are identified. Their nature is substantiated ; У межах статті ринок фінансових послуг розглянуто як цілісний об'єкт дослідження і, з урахуванням цього, запропоновано класифікацію його видів. Зазначено, що у більшості наукових праць увага вчених відводиться дослідженню сегментної структури ринку фінансових послуг, що не є його класифікацією. З урахуванням цього у статті ідентифіковано основні класифікуючі ознаки, за якими у подальшому виділено типи окресленого ринку, а саме: відповідно до законодавства; за способом розвитку; за рівнем регулювання; за масштабом; за характером функціонування; за рівнем інтеграції у світову економіку; за рівнем розвитку; за рівнем свободи діяльності. Обґрунтовано їх сутність.

У межах статті ринок фінансових послуг розглянуто як цілісний об'єкт дослідження і, з урахуванням цього, запропоновано класифікацію його видів. Зазначено, що у більшості наукових праць увага вчених відводиться дослідженню сегментної структури ринку фінансових послуг, що не є його класифікацією. З урахуванням цього у статті ідентифіковано основні класифікуючі ознаки, за якими у подальшому виділено типи окресленого ринку, а саме: відповідно до законодавства; за способом розвитку; за рівнем регулювання; за масштабом; за характером функціонування; за рівнем інтеграції у світову економіку; за рівнем розвитку; за рівнем свободи діяльності. Обґрунтовано їх сутність. ; Financial services market is a complex system of different interrelations between economic entities. The importance of such market development from the position of providing stable dynamic development of the country's economy is difficult to overestimate. At the present moment such market virtually permeates all branches of industry and national economy. That's why performing of new investigations in the sphere of knowledge of theoretical, methodical and methodological peculiarities of functioning and development of financial services market is actual. The identification of different by their nature features, under which the types of this market can be determined, is separate component of deepening theoretical principles of the mentioned market functioning. The article aims to identify the main features, under which the systematization and classification of the types of financial services market is conducted. It is offered within the article to consider financial services market as the combination of economic relations, which arise by realization of non-material form of interrelation results, characterized by use value, between entities in the process of satisfying by some participants (producers) of financial needs of the others (consumers) on the mutual benefit of their interests agreeing on their own account, on the customers' account or on the account of attracted financial resources of other entities in accordance with the current legislation with the purpose to get profit, to preserve the assets value or to achieve social effect from the realization of such interaction. Such approach allows to consider financial services market as integrated research facility and, taking this into account, to offer the classification of its types. It is emphasized that in the majority of scientific works, which have been analyzed, the attention of scientists is related to the investigation of segment structure of financial services market, that is not its classification. With account of that, in the article the main characteristics, under which the following types of such market are defined: in accordance with the legislation, by the method of development, by the level of regulating, by scale, by the character of functioning, by the level of integration into world economy, by development level; by the level of activities freedom, are identified. Their nature is substantiated

The rapid development of digital financial technologies in Ukraine leads to the emergence of new risks and to significant consumers' losses in the financial market. The aim of the study is to develop strategic directions of state policy of consumer protection in the digital financial services market considering the best world practices and features of the financial system of Ukraine.System scientific analysis was used to study the possibilities of implementing international quality standards for digital financial services in Ukrainian legislation. The method of statistical analysis of data was used to form the imperial basis of the study.Based on the global experience and taking into account the peculiarities of Ukrainian fintech market the state policy should consist of three strategic directions: 1) create a system of legal regulation of the mechanism of protection of consumers' rights of digital financial services; 2) introducing a risk-oriented approach to regulating the digital financial services delivery process to consumers; 3) strengthening of digital financial literacy and public awareness. Such state policy will form a reliable system of consumer protection in the digital services market in Ukraine.

The rapid development of digital financial technologies in Ukraine leads to the emergence of new risks and to significant consumers' losses in the financial market. The aim of the study is to develop strategic directions of state policy of consumer protection in the digital financial services market considering the best world practices and features of the financial system of Ukraine. System scientific analysis was used to study the possibilities of implementing international quality standards for digital financial services in Ukrainian legislation. The method of statistical analysis of data was used to form the imperial basis of the study. Based on the global experience and taking into account the peculiarities of Ukrainian fintech market the state policy should consist of three strategic directions: 1) create a system of legal regulation of the mechanism of protection of consumers' rights of digital financial services; 2) introducing a risk-oriented approach to regulating the digital financial services delivery process to consumers; 3) strengthening of digital financial literacy and public awareness. Such state policy will form a reliable system of consumer protection in the digital services market in Ukraine.

The rapid development of digital financial technologies in Ukraine leads to the emergence of new risks and to significant consumers' losses in the financial market. The aim of the study is to develop strategic directions of state policy of consumer protection in the digital financial services market considering the best world practices and features of the financial system of Ukraine. System scientific analysis was used to study the possibilities of implementing international quality standards for digital financial services in Ukrainian legislation. The method of statistical analysis of data was used to form the imperial basis of the study. Based on the global experience and taking into account the peculiarities of Ukrainian fintech market the state policy should consist of three strategic directions: 1) create a system of legal regulation of the mechanism of protection of consumers' rights of digital financial services; 2) introducing a risk-oriented approach to regulating the digital financial services delivery process to consumers; 3) strengthening of digital financial literacy and public awareness. Such state policy will form a reliable system of consumer protection in the digital services market in Ukraine.

The rapid development of digital financial technologies in Ukraine leads to the emergence of new risks and to significant consumers' losses in the financial market. The aim of the study is to develop strategic directions of state policy of consumer protection in the digital financial services market considering the best world practices and features of the financial system of Ukraine.System scientific analysis was used to study the possibilities of implementing international quality standards for digital financial services in Ukrainian legislation. The method of statistical analysis of data was used to form the imperial basis of the study.Based on the global experience and taking into account the peculiarities of Ukrainian fintech market the state policy should consist of three strategic directions: 1) create a system of legal regulation of the mechanism of protection of consumers' rights of digital financial services; 2)introducing a risk-oriented approach to regulating the digital financial services delivery processto consumers; 3) strengthening of digital financial literacy and public awareness. Such state policy will form a reliable system of consumer protection in the digital services market in Ukraine.

Establishing a system of consumer interest protection in the financial services market involves a comprehensive process of updating financial knowledge under the influence of environmental factors in terms of access to financial products and services and the ability to solve financial problems freely. A number of international regulations are in place to form a sound basis for the regulation of this process, which complement each other and ensure concerted activity between all actors in the financial services market. This paper analyzes in more detail the key points of the MiFID Directive and its latest versions, which are aimed at improving the activities of the European financial market in terms of its structure, transparency, investor security, internal and external controls