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THE CHOICE OF BANK FINANCIAL MANAGEMENT SPECIAL TECHNOLOGIES CONSIDERING ITS LIFE CYCLE

I. Chmutova ()
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I. Chmutova: Associate Professor of Banking Department of Simon Kuznets Kharkiv National University of Economics

Economics of Development, 2016, vol. 79, issue 3, 59-64

Abstract: The stages of a bank's life cycle generate an array of stage-specific problems and tasks that call for differentiation of financial management technologies. A methodological framework for choosing bank financial management special technologies has been developed with regard to banking transactions depending on the stage of a bank's life cycle. A list of performance indicators for the following banking transactions has been made: lending, borrowing, securities, currency, payment and cash management services transactions, these being generalized into integrated indices. Based on such methods as analysis and synthesis, comparison, correlation analysis, factor analysis, taxonomic analysis, interval scales, the hypothesis as to the existence of different levels of performance of banking transactions at different stages of a bank's life cycle has been proved. This has made it possible to find the dependence of the efficiency of lending, borrowing, portfolio investment, payment and cash management services and currency transactions in Ukraine's banks on their life cycle stages and develop proposals as to priority areas where to focus efforts by a specific bank depending on its operations position and time factors of its development pathway. According to the authors, most attention should be paid to the development of special management technologies for those banking transactions that need performance improvement as follows from the set ranges of values of integral indices. The following priority technologies have been defined: for banks at the stage of formation – borrowing transactions management technologies; at the stage of extensive growth – payment and cash services management technologies; at the stage of intensive growth – lending management technologies; at the stage of maturity – currency transactions management technologies; at the stage of decline – loan-and-deposit portfolio management technologies.

Keywords: bank; life cycle; financial management special technologies; banking transactions; indicators (search for similar items in EconPapers)
Date: 2016
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