1 research outputs found
Π’Π΅ΠΎΡΠ΅ΡΠΈΡΠ½Ρ Π·Π°ΡΠ°Π΄ΠΈ, ΡΡΠ°Π½ Ρ ΠΏΡΠ°ΠΊΡΠΈΠΊΠ° ΡΠΎΠ·Π²ΠΈΡΠΊΡ ΠΏΠ»Π°ΡΡΠΆΠ½ΠΈΡ ΡΠΈΡΡΠ΅ΠΌ Π² Π£ΠΊΡΠ°ΡΠ½Ρ
In modern conditions payment systems have an important role in the economy, as they must provide effective economic means of payments. Accordingly, the development of payment systems in Ukraine appears as a relevant theoretical and practical problem.In the article the theoretical basis and features of payment systems in Ukraine were researched. Preconditions of systemically important payment systems development been analyzed, which are performed by the key principles of their organization and functioning. Realization of principles of systemically important payment systems in Ukraine was investigated. The key principles of operation and functioning and their implementation in retail payment systems were determining, such as providing competitive services, security payments from outside interference, territorial and temporal availability, profitability of participation in the payment system, consumer protection, instant calculation of account balance, instant currency conversion and minimize currency risk.Recommendations for improving the procedures for conversion of currencies in the international card payment systems were provided in order to reduce currency risks for end-users and issuing banks, such as introducing restrictions on the period of submission for payment of international trade, as well prohibit use of trade-service enterprises for currency conversion their own exchange rates. The necessity of legislative regulation of the size of interchange fee in card payment systems to create more favorable conditions for the spread of retail electronic payment was determined as well as removal of legal restrictions on the issuance and use of electronic money and foreign exchange restrictions in order to create the conditions for international payment systems based on electronic money to enter the Ukrainian payment market.Π‘ΡΠ°ΡΡΡ ΠΏΠΎΡΠ²ΡΡΠ΅Π½Π° ΠΈΡΡΠ»Π΅Π΄ΠΎΠ²Π°Π½ΠΈΡ ΡΠ΅ΠΎΡΠ΅ΡΠΈΡΠ΅ΡΠΊΠΈΡ
ΠΎΡΠ½ΠΎΠ² ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΡΡ
ΡΠΈΡΡΠ΅ΠΌ Π² Π£ΠΊΡΠ°ΠΈΠ½Π΅. ΠΠΎΠΊΠ°Π·Π°Π½ΠΎ, ΡΡΠΎ ΠΏΡΠ΅Π΄ΠΏΠΎΡΡΠ»ΠΊΠΈ ΡΠ°Π·Π²ΠΈΡΠΈΡ ΠΎΡΠ½ΠΎΠ²Π½ΡΡ
ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΡΡ
ΡΠΈΡΡΠ΅ΠΌ Π·Π°ΠΊΠ»ΡΡΠ°ΡΡΡΡ Π² ΡΠΎΠ±Π»ΡΠ΄Π΅Π½ΠΈΠΈ ΠΊΠ»ΡΡΠ΅Π²ΡΡ
ΠΏΡΠΈΠ½ΡΠΈΠΏΠΎΠ² ΠΈΡ
ΠΎΡΠ³Π°Π½ΠΈΠ·Π°ΡΠΈΠΈ ΠΈ ΡΡΠ½ΠΊΡΠΈΠΎΠ½ΠΈΡΠΎΠ²Π°Π½ΠΈΡ. ΠΠΏΡΠ΅Π΄Π΅Π»Π΅Π½Ρ ΠΎΡΠΎΠ±Π΅Π½Π½ΠΎΡΡΠΈ ΡΠ°Π·Π²ΠΈΡΠΈΡ ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΡΡ
ΡΠΈΡΡΠ΅ΠΌ Π² Π£ΠΊΡΠ°ΠΈΠ½Π΅.ΠΠ°Π½Ρ ΡΠ΅ΠΊΠΎΠΌΠ΅Π½Π΄Π°ΡΠΈΠΈ ΠΏΠΎ ΡΠΎΠ²Π΅ΡΡΠ΅Π½ΡΡΠ²ΠΎΠ²Π°Π½ΠΈΡ ΠΏΡΠΎΡΠ΅Π΄ΡΡ ΠΊΠΎΠ½Π²Π΅ΡΡΠ°ΡΠΈΠΈ Π²Π°Π»ΡΡ Π² ΠΌΠ΅ΠΆΠ΄ΡΠ½Π°ΡΠΎΠ΄Π½ΡΡ
ΠΊΠ°ΡΡΠΎΡΠ½ΡΡ
ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΡΡ
ΡΠΈΡΡΠ΅ΠΌΠ°Ρ
. Π£ΡΡΠ°Π½ΠΎΠ²Π»Π΅Π½Π° Π½Π΅ΠΎΠ±Ρ
ΠΎΠ΄ΠΈΠΌΠΎΡΡΡ Π·Π°ΠΊΠΎΠ½ΠΎΠ΄Π°ΡΠ΅Π»ΡΠ½ΠΎΠ³ΠΎ ΡΠ΅Π³ΡΠ»ΠΈΡΠΎΠ²Π°Π½ΠΈΡ ΡΠ°Π·ΠΌΠ΅ΡΠ° ΠΌΠ΅ΠΆΠ±Π°Π½ΠΊΠΎΠ²ΡΠΊΠΈΡ
ΠΊΠΎΠΌΠΈΡΡΠΈΠΉ Π² ΠΊΠ°ΡΡΠΎΡΠ½ΡΡ
ΠΏΠ»Π°ΡΠ΅ΠΆΠ½ΡΡ
ΡΠΈΡΡΠ΅ΠΌΠ°Ρ
ΠΈ ΡΠ½ΡΡΠΈΡ Π·Π°ΠΊΠΎΠ½ΠΎΠ΄Π°ΡΠ΅Π»ΡΠ½ΡΡ
ΠΎΠ³ΡΠ°Π½ΠΈΡΠ΅Π½ΠΈΠΉ Π½Π° ΡΠΌΠΈΡΡΠΈΡ ΠΈ ΠΈΡΠΏΠΎΠ»ΡΠ·ΠΎΠ²Π°Π½ΠΈΠ΅ ΡΠ»Π΅ΠΊΡΡΠΎΠ½Π½ΡΡ
Π΄Π΅Π½Π΅Π³.Π£ ΡΡΠ°ΡΡΡ Π΄ΠΎΡΠ»ΡΠ΄ΠΆΠ΅Π½ΠΎ ΡΠ΅ΠΎΡΠ΅ΡΠΈΡΠ½Ρ ΠΎΡΠ½ΠΎΠ²ΠΈ ΡΠΎΠ·Π²ΠΈΡΠΊΡ ΠΏΠ»Π°ΡΡΠΆΠ½ΠΈΡ
ΡΠΈΡΡΠ΅ΠΌ Π² Π£ΠΊΡΠ°ΡΠ½Ρ. ΠΠΎΠΊΠ°Π·Π°Π½ΠΎ, ΡΠΎ ΠΏΠ΅ΡΠ΅Π΄ΡΠΌΠΎΠ²ΠΈ ΡΠΎΠ·Π²ΠΈΡΠΊΡ ΠΎΡΠ½ΠΎΠ²Π½ΠΈΡ
ΠΏΠ»Π°ΡΡΠΆΠ½ΠΈΡ
ΡΠΈΡΡΠ΅ΠΌ ΠΏΠΎΠ»ΡΠ³Π°ΡΡΡ Ρ Π²ΠΈΠΊΠΎΠ½Π°Π½Π½Ρ ΠΊΠ»ΡΡΠΎΠ²ΠΈΡ
ΠΏΡΠΈΠ½ΡΠΈΠΏΡΠ² ΡΡ
ΠΎΡΠ³Π°Π½ΡΠ·Π°ΡΡΡ ΡΠ° ΡΡΠ½ΠΊΡΡΠΎΠ½ΡΠ²Π°Π½Π½Ρ. ΠΠΈΠ·Π½Π°ΡΠ΅Π½ΠΎ ΠΎΡΠΎΠ±Π»ΠΈΠ²ΠΎΡΡΡ ΡΠΎΠ·Π²ΠΈΡΠΊΡ ΠΏΠ»Π°ΡΡΠΆΠ½ΠΈΡ
ΡΠΈΡΡΠ΅ΠΌ Π² Π£ΠΊΡΠ°ΡΠ½Ρ.ΠΠ°Π΄Π°Π½ΠΎ ΡΠ΅ΠΊΠΎΠΌΠ΅Π½Π΄Π°ΡΡΡ ΡΠΎΠ΄ΠΎ Π²Π΄ΠΎΡΠΊΠΎΠ½Π°Π»Π΅Π½Π½Ρ ΠΏΡΠΎΡΠ΅Π΄ΡΡ ΠΊΠΎΠ½Π²Π΅ΡΡΠ°ΡΡΡ Π²Π°Π»ΡΡ Ρ ΠΌΡΠΆΠ½Π°ΡΠΎΠ΄Π½ΠΈΡ
ΠΊΠ°ΡΡΠΊΠΎΠ²ΠΈΡ
ΠΏΠ»Π°ΡΡΠΆΠ½ΠΈΡ
ΡΠΈΡΡΠ΅ΠΌΠ°Ρ
. ΠΡΡΠ°Π½ΠΎΠ²Π»Π΅Π½Π° Π½Π΅ΠΎΠ±Ρ
ΡΠ΄Π½ΡΡΡΡ Π·Π°ΠΊΠΎΠ½ΠΎΠ΄Π°Π²ΡΠΎΠ³ΠΎ ΡΠ΅Π³ΡΠ»ΡΠ²Π°Π½Π½Ρ ΡΠΎΠ·ΠΌΡΡΡ ΠΌΡΠΆΠ±Π°Π½ΠΊΡΠ²ΡΡΠΊΠΈΡ
ΠΊΠΎΠΌΡΡΡΠΉ Ρ ΠΊΠ°ΡΡΠΊΠΎΠ²ΠΈΡ
ΠΏΠ»Π°ΡΡΠΆΠ½ΠΈΡ
ΡΠΈΡΡΠ΅ΠΌΠ°Ρ
Ρ Π·Π½ΡΡΡΡ Π·Π°ΠΊΠΎΠ½ΠΎΠ΄Π°Π²ΡΠΈΡ
ΠΎΠ±ΠΌΠ΅ΠΆΠ΅Π½Ρ Π½Π° Π΅ΠΌΡΡΡΡ ΡΠ° Π²ΠΈΠΊΠΎΡΠΈΡΡΠ°Π½Π½Ρ Π΅Π»Π΅ΠΊΡΡΠΎΠ½Π½ΠΈΡ
Π³ΡΠΎΡΠ΅ΠΉ