Commercial Banks as a Key Element in Regulating Cash Flows in the Business Environment 
Viktoriya Margasova1, Oleksii Muravskyi2, Oksana Vodolazska3, Halyna Nakonechna4, Maiia Fedyshyn5, Liudmyla Dovgan6
1Viktoriya Margasova, Department of Accounting, Taxation and Audit, Chernihiv National University of Technology, Chernihiv, Ukrainе.
2Oleksii Muravskyi, Department of Banking and Insurance, National University of Life and Environmental Sciences of Ukraine.
3Kyiv, Ukraine Oksana Vodolazska, Department of Finance, Banking and Insurance, Oles Honchar Dnipro National University, Dnipro, Ukraine.
4Halyna Nakonechna, Civil-Legal Disciplines Department, Lesia Ukrainka Eastern European National University, Lutsk, Ukraine.
5Maiia Fedyshyn, Department of Public, Corporate Finances and Financial Mediation, Yuriy Fedkovych Chernivtsi National University, Chernivtsi, Ukraine.
6Liudmyla Dovgan, Department of Finance, University of the State Fiscal Service of Ukraine, Irpin, Ukraine.
Manuscript received on November 12, 2019. | Revised Manuscript received on November 25, 2019. | Manuscript published on 30 November, 2019. | PP: 4537-4543 | Volume-8 Issue-4, November 2019. | Retrieval Number: D8465118419/2019©BEIESP | DOI: 10.35940/ijrte.D8465.118419
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© The Authors. Blue Eyes Intelligence Engineering and Sciences Publication (BEIESP). This is an open access article under the CC-BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/)
Abstract: One of the main tasks of the banking system since its inception is the regulation and redistribution of cash flows in the business environment. A key element of this system are commercial banks, which are the basis of the banking system.Being a commercial organization, the bank is primarily interested in maximizing profits, but at the same time, it is the process of maximizing profits that triggers the regulation and redistribution of cash flows in the business environment. The attraction and accumulation of liabilities, as well as the issuance of loans and credits, is carried out by commercial banks solely within the framework of the expediency of their activities, and this very activity helps to stimulate the redistribution of cash flows in the business environment. Traditionally, the bank’s liquidity indicators are associated with its financial stability, but this article will address the liquidity of a commercial bank in order to fulfill its functions as a cash flow regulator. Liquidity management methods are methods of influencing cash flows in a business environment; commercial bank liquidity management activities lead to changes in cash flows.
Keywords: Business Environment, Cash Flows, Commercial Banks, Regulating.
Scope of the Article: Residential, Commercial, Industrial and Public Works.