ІПОТЕЧНЕ КРЕДИТУВАННЯ В КОНТЕКСТІ НАЦІОНАЛЬНОЇ ОЦІНКИ РИЗИКІВ НЕЛЕГАЛЬНИХ ФІНАНСОВИХ ОПЕРАЦІЙ

Анотація

The article deals with the problems that prevent the development of mortgage lending in Ukraine, in particular, experts include the following: low solvency of both business and individuals, lack of long-term and inexpensive credit resources, not developed enough market infrastructure; a high proportion of the shadow sector in economy that does not declare income. The importance of the problem of the shadow economy in Ukraine is emphasized (the scope of the shadow economy ranges from 40 to 60% of GDP). The impact of macroeconomic indicators on the volume of mortgage loans has been investigated using Fechner correlation coefficient, which can be applied to statistical variables that do not have normal distribution law. The classification features of illegal transactions in the field of mortgage lending (on the subject of composition, on the basis of distortion of information) and ways of committing fraud with financial resources are indicated. Consequences of mortgage lending fraud have been revealed, namely: interest rate growth; rising real estate prices; raising the level of the shadow economy. It should be noted that due to the sufficiently high intellectual level of fraudulent schemes used to commit crimes against credit resources of banks and non-banking institutions, the issue of encroachment in the mortgage lending field is more pressing than ever. Therefore, in order to identify (actualize) national risks (threats, vulnerabilities, consequences) in the system of combating money laundering and terrorist financing, identify the elements of their management and assist in the development of the strategy for combating money laundering and terrorist financing in risks Ukraine, a National Risk Assessment is conducted. In order to ensure a sustainable and progressive anti-money laundering and terrorist financing system, Ukraine has made important steps towards implementing and adhering to international anti-money laundering and terrorist financing standards. The National Risk Assessment is an important step in defining a common vision of the risk base, as well as understanding what risks should be taken into account, mitigated, leveled and / or transferred (transposed to a supranational level). The National Risk Assessment facilitates the development of recommendations and priorities setting for enhancing the integrity and sustainability of certain types of economic activity, sectors, enterprises, institutions, organizations.

Keywords: national risk assessment, mortgage lending, mortgage lending fraud, vulnerability, shadow economy.