The current state of Ukrainian credit union’s development
Notice bibliographique
Résumé
The article is dedicated to the analysis of the contemporary situation on Ukraine’s market of credit unions during 2005-2012 years. In some developed countries in the world the position of credit unions as financial institutions is strong enough. As well credit unions are spread in Scandinavian and Balkan peninsular countries, Canada, USA, France, Belgium and other modern economics countries. The aim of the article is to draw the modern situation on the domestic credit union’s market, to dispose the possible ways of improving their activity and to define the stop factors and prospects to the development of the credit unions. Also the round up of the latest legal framework is actual task for the article. The situation with Ukrainian credit unions can be characterized by unstable dynamics. The absence of escalation of the main systems rates last four years shows the poor prospects. It is necessary to provide the modern models of development: increasing general quantity of clients and main rates of the credit system. The main disadvantage of the credit unions in Ukrainian market is regional type of sale distribution. Practically every credit union is based on certain circle of enterprises or factories in different regions. The lack of systemic operation without typical service models is another stop-factor in the increasing of their development. Undefined clients target segment and the absence of marketing policy is also the reason of distrust to the credit unions. Nevertheless credit unions are rather perspective financial institutions, which can make strong competition to the banks on the consumer credit market. The basis rates of credit union’s activity were analyzed: evolution of the credit union’s member’s quantity, evolution of the general credit union’s quantity, evolution of the liabilities and assets level over a period of 10 years, some proposals to changes to the legal framework. (All the main rates came down for 25-30 % every year after crisis had started, but 2012 can be called the year of stabilization on the market and starting of slow rate increasing). There have been analyzed some fundamental basis of appearance and development of credit cooperation, determined the place and importance of credit unions in financial-economical system of Ukraine and motivated the necessity of forming of united national organizationally-coordinating model of functioning of credit union. After analyzing the financial potential of credit unions, there has been suggested basic ways of their improvement, such as: the introduction of the systemic format of production wide credit union distribution on the domestic market providing general models of service and reference standards ready to define the clients segment policy (specially smallscale business) governmental guarantee for deposit operations.
Récupéré en direct depuis OpenAlex et désinversé. Les résumés ne sont pas conservés dans cette base de données : les index inversés représentent 8,6 Go des 9,3 Go de texte de la base, et le serveur dispose de 13 Go libres.
Comment cette classification a été obtenuedéplier
Prédiction machine sur la base complète
Imitation des enseignantsNi prévalence calibrée, ni vérité terrain. Validation humaine à venir. Le volet Gemma est une étiquette directe du modèle pour chaque travail de la base, lue sur la notice réduite au titre. Le volet Codex est un classifieur appris des 10 348 étiquettes directes de Codex et calibré sur les taux pondérés de l'échantillon; les champs sans appui suffisant ne portent aucun appel Codex. Le mode candidate est l'union des deux volets; le consensus est leur intersection. Ces sorties portent le statut machine_predicted_unvalidated et ne sont pas des étiquettes humaines.
Scores du classifieur distillé par catégorie (deux têtes)
| Catégorie | Codex | Gemma |
|---|---|---|
| Métarecherche | 0,001 | 0,001 |
| Méta-épidémiologie (sens strict) | 0,000 | 0,000 |
| Méta-épidémiologie (sens large) | 0,000 | 0,000 |
| Bibliométrie | 0,001 | 0,002 |
| Études des sciences et des technologies | 0,002 | 0,001 |
| Communication savante | 0,004 | 0,002 |
| Science ouverte | 0,001 | 0,002 |
| Intégrité de la recherche | 0,001 | 0,001 |
| Charge utile insuffisante (le modèle a refusé de juger) | 0,005 | 0,001 |
Scores machine (provisoires)
Les deux têtes enseignantes du modèle étudiant, lues sur ce travail. Un score ordonne la base pour la relecture; il n'affirme jamais une catégorie, et le statut de validation accompagne chaque rangée tel quel.
Scores de référence d'un modèle non mature (critères de maturité non atteints, 7 itérations). Un score ordonne; il n'affirme jamais une catégorie.
score_only:v0-immature-baseline · tel quel depuis la passe de notation : score_only signifie que le nombre peut ordonner les travaux, et qu'aucune étiquette de catégorie n'en découleClassification
machine, non validéePrédiction automatique; un appel candidat d’une seule source (Gemma direct ou Codex distillé), pas un consensus.
Le détail, modèle par modèle et score par score, se trouve en fin de page sous « Comment cette classification a été obtenue ».