Justification of macro-and micro-prudent policy measures to ensure the financial stability of banks

Nianchuk Natalia
PhD in Economics, Associate Professor of the Department of Banking, Odesa National University of Economics, Odesa, Ukraine, E-mail:natalya.nyanchuk@gmail.com, ORCID: https://orcid.org/0000-0001-7686-4727

Cite this article:

Nianchuk N. (2025) Justification of macro-and micro-prudent policy measures to ensure the financial stability of banks. Ed.: V.V. Kovalenko (ed.-in-ch.) and others [Obgruntovanist zahodiv makro- ta mikroprudencijnyh polityk dlja zabezpechennja finansovoi stijkosti bankiv; za red.: V.V. Kovalenko (gol. red.)], Scientific Bulletin of the Odesa National Economic University (ISSN 2313-4569), Odesa National Economics University, Odesa, No. 2 (327), pp.55-64.

Abstract

The article is devoted to the study of nature, goals and instruments of microprudential policy. The main differences between micro- and macroprudential policies are identified. The evolution of the Ukrainian banking sector under the influence of microprudential policies is studied. The directions of improving interaction between micro- and macroprudential supervision authorities are identified. The methods of analysis, synthesis, generalization, calculation-analytical, graphical methods, coefficient analysis and systematic approach were used in the conduct of scientific research. The conducted analysis of the banking sector date confirmed that the measures of macro and microprudential policies were implemented by banks, which had a positive effect on their financial stability. The originality of the scientific research lies in the aims and measures of macro- and microeconomic policies in accordance with the phases of the credit cycle, which allows more effective resistance to systemic risk and loss of financial stability. The value of scientific research lies in the combined with an understanding of macro- and micro-prudential policies as a systemic set of actions and measures to ensure the financial stability of banks and timely response of the regulator to the growth of systemic risk. Prospects for further scientific research should be aimed at developing the design of microprudential policy in accordance with the bank's business models, which will contribute to ensuring the stability of not only individual banks, but the system as a whole, adapting the regulator's requirements to the management of the banks' current activities. The main task may be the creation of a mechanism for the implementation of microprudential policy in the context of compliance with the requirements of macroprudential policy. It can also be the development of a road map of actions that the bank should take into account when developing its policy under various conditions of the influence of external factors. Future research will also be devoted to the explored possibilities of applying artificial intelligence for the timely adoption of macro- and microprudential policy measures.

Keywords

bank, macroprudential policy, microprudential policy, banking supervision, financial stability.

JEL classification:E500; E510; G230;DOI: https://doi.org/10.32680/2409-9260-2025-2-327-55-64

UD classification:336.2:355

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