MUNICIPAL BANKS: REALITIES AND PROSPECTS FOR LEGAL REGULATION
Problems of Legal Regulation of Economic Activities
DOI:
https://doi.org/10.15407/econlaw.2013.02.081Keywords:
municipal bank, economic activity, banking, banking operationsAbstract
The paper studies the current state and prospects for legal regulation of municipal banks. It was proved that municipal banks can provide any non-prohibited banking and other financial services under a banking license by servicing primarily the entities on the territory of the local community. To ensure a special economic and legal status for municipal banks and to provide utilities with credit resources, whose activities have a significant impact on the region’s livelihoods, it is offered that the Law of Ukraine “On Banks and Banking” should provide interest-free loans to such entities. The function of cash management service of local budgets is proposed to be put on municipal banks, as well as the possibility of locating temporarily available funds of local budgets on the accounts with municipal banks if such bank has been created on the territory of a corresponding local community.
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