Кредитна кооперація у світовій економіці

Abstract

У ході дослідження автор приділив значну увагу теоретичним основам кооперативного руху, зокрема – принципам та соціально економічним аспектам-діяльності кооперативів. Автором досліджено особливості розвитку та діяльності кредитних кооперативів в країнах Європи та Північної Америки: Німеччини, Франції, Нідерландів, США та Канади. Висвітлено глобальні тренди розвитку кредитних кооперативів, зокрема: розбудову кредитно-кооперативної інфраструктури в різних країнах. Дослідження містить елементи наукової новизни, які полягають у детальному аналізі страхування фінансових ризиків кредитними кооперативами через створення загальнонаціональних та регіональних кооперативних асоціацій та інших інфраструктурних інституцій.

Most of the banks operate on self-interest. It is just the way the financial markets work. However, credit cooperatives offer an alternative approach and whilst they must be efficient businesses, they are driven by member wellbeing not-profit. This means that they do not speculate on the money market to profit from short term fluctuations. Nor do they hold unethical investments. Instead, credit cooperatives just pool member savings and then lend to other members, circulating money for the benefit of their community. This ensures that every member of such cooperatives can benefit, not just a small group of people. Credit cooperatives are entirely owned and operated by their members. They take members’ feedback and use it to make changes that have real benefits. A credit union may be more willing to work with a person than a bank might be if this person has poor credit or have difficulty qualifying for a loan. If the memberclient is interested in getting a mortgage loan but has a poor credit history, then a credit union may be his best route to financing the new house. They may also offer educational programs that will help their members get control of their budget and develop better financial habits. This is why researching activity of credit cooperatives is of great interest and importance. In the literature, the problems of credit cooperative movement are researched in the works of Braverman A. [11], Delfiner M. [16], Fairbairn B. [18], Glenn C. [21] and others. However, the topic has not been studied enough. There is a certain lag in the field of ensuring the financial stability of credit-cooperative institutions. Thus, all of the above led to the choice of the topic of the qualifying work and its relevance.