We emphasize that commercial

 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