СТАН ЕКОНОМІЧНОЇ БЕЗПЕКИ БАНКІВСЬКИХ УСТАНОВ УКРАЇНИ ТА ВПЛИВ ЕКОНОМІЧНИХ РЕФОРМ НА ФОРМУВАННЯ АНТИКРИЗОВИХ ЗАХОДІВ

The integration in the state financial space is complementary to the system of legislative regulation of banking activities. Protests against the current realities of the market (internationalization, transformation of the global banking sector, expansion of business activities, investment activity, liberalization of the foreign capital, Diversification of the leading position of the bank, concentration of the international bank’s capital) to become before the bank’s settings of power, competitiveness, ability to enter the world of the world. In Ukraine, the state’s anti-crisis management activities are complemented by low regulatory legal acts, the environment is regulated by the reform of strategic planning and forecasting, financial policy planning in the budget process. As for the legal framework of the anti-crisis management, it has been recently broken down and is not little practical: subsoil. The statues contain the risks, which are characterized by the financial crisis of 2008—2010 and 2014—2018 in the banking sector of Ukraine, including: pre-activity, low level of assets, changes in lending, direct contribution of the state, changes in the number of plateau-support banks, the level of protection. The reasons that caused the negative observations of the Ukrainian banking system were found: The escalation of the real economy crisis; the lack of thoroughness of the National Bank of Ukraine’s penny-credit policy, the climate of their development; internal bank officials, the lack of developed strategies and tactics of bank operations in the minds of the financial and economic crisis. The National Bank of Ukraine has been systematized in its anti-crisis efforts, which allowed the bank to stabilize its financial system, and the bank itself: stabilization of hryvnias; reduction of regional rates; reduction of banks’ refinance rates; introduction of amendments to financial institutions; introduction of a moratorium on deposits with financial and credit institutions using the method of safekeeping of obligations before clients.Определены черты, характеризующихся финансовые кризисы 2008—2010 и 2014—2018 гг. В банковском секторе Украины, в т. ч.: долгосрочность, низкое качество активов, уменьшение кредитования, меры прямого воздействия государства, уменьшение количества платежеспособных банков, уровень охвата. Установлены причины, которые вызвали негативные последствия деятельности банковских учреждений Украины: обострение кризиса реальной экономики; несовершенство денежно-кредитной политики Национального банка Украины относительно банковских учреждений, в том числе их ликвидации; внутрибанковские факторы, отсутствие выработанной стратегии и тактики работы банков в условиях финансово-экономического кризиса. Систематизированы антикризисные меры Национального банка Украины, которые позволили банковским учреждениям стабилизировать свое финансовое состояние, а именно: стабилизация гривны; снижение учетной ставки; снижение ставки рефинансирования банков; восстановление доверия к финансовым институтам; отмена моратория на снятие депозитов финансово-кредитными учреждениями с целью обеспечения выполнения обязательств перед клиентами.Інтеграція у світовий фінансовий простір вимагає вдосконалення системи законодавчого регулювання банківської діяльності. Проте сучасні реалії ринку (інтернаціоналізація, трансформація глобального банківського сектору, розширення меж діяльності, активізація інвестиційної діяльності, лібералізація руху іноземного капіталу, диверсифікація лідерських позицій банківської діяльності, концентрація міжнародного банківського капіталу) ставлять перед банківськими установами вимоги щодо стійкості, конкурентоспроможності, спроможності інтегруватись у світовий простір. В Україні деякі питання державне антикризового управління відображено в низці нормативно-правових актів, зокрема регламентовано проблеми реформування стратегічного планування і прогнозування, фінансової політики планування у бюджетному процесі. Але нормативно-правова база щодо антикризового управління з’явилась порівняно недавно і не мала практичного підґрунтя. Визначено риси, що характеризуються фінансові кризи 2008—2010 і 2014—2018 рр. у банківському секторі України, у т. ч.: довгостроковість, низька якість активів, зменшення кредитування, заходи прямого впливу держави, зменшення кількості платоспроможних банків, рівень охоплення. Установлено причини, які викликали негативні наслідки діяльності банківських установ України: загострення кризи реальної економіки; недосконалість грошово-кредитної політики Національного банку України щодо банківських установ, зокрема їх ліквідації; внутрішньобанківські чинники, відсутність виробленої стратегії і тактики роботи банків в умовах фінансово-економічної кризи. Систематизовано антикризові заходи Національного банку України, які дозволили банківським установам стабілізувати свій фінансовий стан, а саме: стабілізація гривні; зниження облікової ставки; зниження ставки рефінансування банків; відновлення довіри до фінансових інституцій; відміна мораторію на зняття депозитів фінансово-кредитними установами з метою забезпечення виконання обов’язків перед клієнтами

Modified ultrafast thermometer UFT-M and temperature measurements during Physics of Stratocumulus Top (POST)

A modified UFT-M version of the ultrafast airborne thermometer UFT, aimed at in-cloud temperature measurements, was designed for the Physics of Stratocumulus Top (POST) field campaign. Improvements in its construction resulted in the sensor's increased reliability, which provided valuable measurements in 15 of the 17 flights. Oversampling the data allowed for the effective correction of the artefacts resulting from the interference with electromagnetic transmissions from on-board avionic systems and the thermal noise resulting from the sensor construction. The UFT-M records, when averaged to the 1.4 and 55 m resolutions, compared to the similar records of a thermometer in a Rosemount housing, indicate that the housing distorts even low-resolution airborne temperature measurements. Data collected with the UFT-M during the course of POST characterise the thermal structure of stratocumulus and capping inversion with the maximum resolution of ~1 cm. In this paper, examples of UFT-M records are presented and discussed

Rainfall Intensity-Duration-Frequency Relationships for Andhra Pradesh, India: Changing Rainfall Patterns and Implications for Runoff and Groundwater Recharge

Accurate and current rainfall characterization is an important tool for water-related system design and management. Updated rainfall intensity-duration-frequency (IDF) relationships in peninsular India were developed; impacts on runoff and groundwater recharge attributable to changes in rainfall characteristics are discussed. Two data sets were used from gage in Hyderabad city, the capital of Andhra Pradesh: hourly rainfall data for the 19 years from 1993–2011 and daily rainfall data for the 30 years from 1982–2011. Hourly data were used to develop updated rainfall IDF relationships; daily data were used for trend analysis of threshold-based rainfall events. IDF curves were developed for return periods of 2, 5, 10, 15, 25, 50, 75, and 100 years for 1-, 2-, 4-, 8-, and 24-h durations. The updated IDF relationships showed a significant change in rainfall characteristics compared with older relationships for the region surrounding Hyderabad, India; they showed greater rainfall intensities across all durations and return periods. Greater intensity storms may reduce groundwater recharge and increase runoff, making the surface storage of runoff increasingly important to enhance recharge and reduce flooding risks

Comparison of mixed layer heights from airborne high spectral resolution lidar, ground-based measurements, and the WRF-Chem model during CalNex and CARES

The California Research at the Nexus of Air Quality and Climate Change (CalNex) and Carbonaceous Aerosol and Radiative Effects Study (CARES) field campaigns during May and June 2010 provided a data set appropriate for studying the structure of the atmospheric boundary layer (BL). The NASA Langley Research Center (LaRC) airborne high spectral resolution lidar (HSRL) was deployed to California onboard the NASA LaRC B-200 aircraft to aid in characterizing aerosol properties during these two field campaigns. Measurements of aerosol extinction (532 nm), backscatter (532 and 1064 nm), and depolarization (532 and 1064 nm) profiles during 31 flights, many in coordination with other research aircraft and ground sites, constitute a diverse data set for use in characterizing the spatial and temporal distribution of aerosols, as well as the depth and variability of the daytime mixed layer (ML) height. The paper describes the modified Haar wavelet covariance transform method used to derive the ML heights from HSRL backscatter profiles. HSRL ML heights are validated using ML heights derived from two radiosonde profile sites during CARES. Comparisons between ML heights from HSRL and a Vaisala ceilometer operated during CalNex were used to evaluate the representativeness of a fixed measurement over a larger region. In the Los Angeles basin, comparisons of ML heights derived from HSRL measurements and ML heights derived from the ceilometer result in a very good agreement (mean bias difference of 10 m and correlation coefficient of 0.89) up to 30 km away from the ceilometer site, but are essentially uncorrelated for larger distances, indicating that the spatial variability of the ML height is significant over these distances and not necessarily well captured by limited ground stations. The HSRL ML heights are also used to evaluate the performance in simulating the temporal and spatial variability of ML heights from the Weather Research and Forecasting Chemistry (WRF-Chem) community model. When compared to aerosol ML heights from HSRL, thermodynamic ML heights from WRF-Chem were underpredicted in the CalNex and CARES regions, shown by a bias difference value of −157 m and −29 m, respectively. Better agreement over the Central Valley than in mountainous regions suggests that some variability in the ML height is not well captured at the 4 km grid resolution of the model. A small but significant number of cases have poor agreement when WRF-Chem consistently overestimates the ML height in the late afternoon. Additional comparisons with WRF-Chem aerosol mixed layer heights show no significant improvement over thermodynamic ML heights, confirming that any differences between measurement and model are not due to the methodology of ML height determination

Learning to live together: a challenge for schools located in contexts of social vulnerability

Currently, there are many educational centres that demonstrate the need to promote initiatives to improve coexistence at school at the international level, especially in those located in contexts of social vulnerability. A socio-educational programme has been developed, applied and evaluated at a Singular Education Action Centre (Centro de Acción Educativa Singular - C.A.E.S) in the city of Valencia (Spain). To ascertain the programme's impact and possible generalization to other contexts, a quasi-experimental pretest-posttest design with a control group was used. Information was collected from 297 students and 54 teachers based on questionnaires assessing coexistence at school. The results obtained demonstrate the satisfactory functioning of the programme. The faculty and students from the experimental group affirm the importance of continuing to work in this direction to invest in creating a democratic school that firmly believes in coexistence and participation. Areas for improvement include the need to incorporate actions to increase family participation and develop strategies to facilitate the implementation of a more comprehensive programme

Ratings of age of acquisition of 299 words across 25 languages: Is there a cross-linguistic order of words?

We present a new set of subjective age-of-acquisition (AoA) ratings for 299 words (158 nouns, 141 verbs) in 25 languages from five language families (Afro-Asiatic: Semitic languages; Altaic: one Turkic language: Indo-European: Baltic, Celtic, Germanic, Hellenic, Slavic, and Romance languages; Niger-Congo: one Bantu language; Uralic: Finnic and Ugric languages). Adult native speakers reported the age at which they had learned each word. We present a comparison of the AoA ratings across all languages by contrasting them in pairs. This comparison shows a consistency in the orders of ratings across the 25 languages. The data were then analyzed (1) to ascertain how the demographic characteristics of the participants influenced AoA estimations and (2) to assess differences caused by the exact form of the target question (when did you learn vs. when do children learn this word); (3) to compare the ratings obtained in our study to those of previous studies; and (4) to assess the validity of our study by comparison with quasi-objective AoA norms derived from the MacArthur–Bates Communicative Development Inventories (MB-CDI). All 299 words were judged as being acquired early (mostly before the age of 6 years). AoA ratings were associated with the raters’ social or language status, but not with the raters’ age or education. Parents reported words as being learned earlier, and bilinguals reported learning them later. Estimations of the age at which children learn the words revealed significantly lower ratings of AoA. Finally, comparisons with previous AoA and MB-CDI norms support the validity of the present estimations. Our AoA ratings are available for research or other purposes

Ratunku! or just tunku! : evidence for the reliability and concurrent validity of the Language Use Inventory : LUI-Polish

Purpose: To date, there is no tool for assessing early pragmatic development of Polish-speaking children. This study aimed to adapt to Polish a standardized parent report measure, the Language Use Inventory (LUI; O’Neill, 2009, in order to enable cross-cultural comparisons and to use the LUI-Polish to screen for pragmatic development in children 18-47 months of age. We concentrated on the sociocultural and functional adaptation of LUI and aimed to demonstrate its reliability, developmental sensitivity, and concurrent validity. Method: Parents completed an online version of LUIPolish, longitudinally at 3 time points (when the child was 20, 32, and 44 months old). In addition, parents completed the Polish adaptations of the Questionnaire for Communication and Early Language at 22 months and the Language Development Survey at 24 months. Children’s spontaneous speech was assessed at 24 months, and their expressive and receptive vocabulary was assessed at 36 months. Results: All 3 parts of the LUI-Polish (Gestures, Words, and Sentences) showed very good levels of internal consistency at each time point. Significant correlations were observed between all parts of the LUI-Polish at all 3 measurement time points. The expected developmental trajectory was observed for boys and girls providing evidence of its developmental sensitivity for children between the ages of 2 and 4 years: an increase with age in the total score (due to an increase in Words and Sentences) and a decrease in Gestures. Supporting concurrent validity, significant correlations were found between children’s performance on (a) the LUI-Polish at 20 months and the Questionnaire for Communication and Early Language at 22 months as well as the Language Development Survey and spontaneous speech measures at 24 months and (b) the LUI-Polish at 32 months and the 2 measures of vocabulary comprehension and production at 36 months. Conclusion: The Polish adaptation of the LUI demonstrated good psychometric properties that provide a sound basis for cross-cultural comparisons and further research toward norming of the LUI-Polish. Moreover, the expected developmental trajectory in the pragmatic development of Polish children was observed

Noun and verb knowledge in monolingual preschool children across 17 languages: Data from cross-linguistic lexical tasks (LITMUS-CLT)

This article investigates the cross-linguistic comparability of the newly developed lexical assessment tool Cross-linguistic Lexical Tasks (LITMUS-CLT). LITMUS-CLT is a part the Language Impairment Testing in Multilingual Settings (LITMUS) battery (Armon-Lotem, de Jong & Meir, 2015). Here we analyse results on receptive and expressive word knowledge tasks for nouns and verbs across 17 languages from eight different language families: Baltic (Lithuanian), Bantu (isiXhosa), Finnic (Finnish), Germanic (Afrikaans, British English, South African English, German, Luxembourgish, Norwegian, Swedish), Romance (Catalan, Italian), Semitic (Hebrew), Slavic (Polish, Serbian, Slovak) and Turkic (Turkish). The participants were 639 monolingual children aged 3;0-6;11 living in 15 different countries. Differences in vocabulary size were small between 16 of the languages; but isiXhosa-speaking children knew significantly fewer words than speakers of the other languages. There was a robust effect of word class: accuracy was higher for nouns than verbs. Furthermore, comprehension was more advanced than production. Results are discussed in the context of cross-linguistic comparisons of lexical development in monolingual and bilingual populations