crisis in Ukraine was provoked illiterate financial policies pursued in the past few years. This was discussed at the round table Banks and the banking system, which was held September 30 at the press center of RBC-Ukraine in a joint project of the investment company Phoenix Capital and news agency RBC-Ukraine, the Economic Advisor.

According to Oleg Ustenko, deputy director of the International Fund for Bleyzer, the crisis in Ukraine, there are three reasons: a large current account transactions, the sharp growth of external corporate debt, as well as weak domestic banking sector. In the period 2006-2008. Saw an increase in consumer loans at 70% per year. It was granted the mass of the dollar when they guarantee loans in grivna. According to the rating agency SP, the number of poor-quality loans to banks and public legal entity, 30-40 % , - said Ustenko, adding that the global economic crisis in this situation was the only trigger that hastened the collapse of the domestic economy.

In addition, we are dependent on exports - metallurgy, chemical industry. And when foreign markets have begun to cut import these goods, it led to an almost stagnant mentioned industries, - said the expert.

Ustenko reminded that there are three methods to combat the crisis: monetary, fiscal and structural reforms. But none of these methodsin Ukraine has not been correctly applied. Even those 21 billion dollars, which were thrown into the economy to support the hryvnia, was, in fact, burned, - he stressed.

At this president of the Center of market reforms, doctor of economic sciences Lanovyi noticed that the functions of the National Bank in need of serious adjustment. In particular, this relates to lending practices of commercial banks bail. If the banks' problems, then let them sell their mortgages - and calculated their debts. Otherwise, just do not understand that it is beneath the NBU has issued almost 200 billion UAH of credit - said Lanoviy.

In his view, the relationship of the NBU with the commercial banks should be removed overnight. This practice throughout the world refers exclusively to the interaction of commercial banks, - stressed Lanovyy. He added that today there is no reliable information about how the National Bank is building its relations with commercial banks: It is necessary to disclose all these secrets. Lanovyy also noted that the relations between banks and customers also need major changes.

A financial expert Eric Nyman said that to resolve the situation on the Ukrainian financial market is to amend Art. 99 of the Constitution of Ukraine, which stipulates that the main function of the NBU is to ensure the stability of the hryvnia. When the front of the National Bank seeks to stabilize the national currency, this leads to its destabilization, - said Naiman. Commenting on the ban on lending in foreign currency, the expert said: We can legally remove the dollar from circulation, but the reaction to such actions would also be quite the opposite.

Commenting on the dollarization of the Ukrainian economy, Naiman said that today the figure reached 65% mark - the highest in the history of independent Ukraine. Care in the U.S. economy began in January 2005, a crisis will exacerbate this trend, - concluded the expert.

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