We emphasize that commercial banks of Ukraine can not compete with foreign banks on credit operations as rate Refinancing is extremely high. Given this need to review it downward. In our opinion, overpriced refinancing rate faster generates speculative capital. Today, some experts believe that the financial crisis in Ukraine develop, it is not eliminated its causes, including orientation of the national economy for foreign exchange. So to create their own, independent, financial system, which would be focused on hryvnia and domestic credit potential. A general economic policy should gradually change its focus from crisis management to innovation. To solve these problems need a comprehensive approach to the use of various financial instruments and credit policy, a series of actions aimed at reducing the dependence of the real economy from adverse external factors. Among these measures
We emphasize that commercial
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