DETERMINANTS THAT INFLUENCE THE COMMISSION OF CRIMINAL OFFENSES IN THE SPHERE OF ACTIVITY OF NON-BANKING FINANCIAL INSTITUTIONS

Abstract

The statistics have a comprehensive criminological investigation of the determinants that contribute to the commission of criminal offenses in the sphere of activity of non-banking financial institutions, credit balances, and settlements. current socio-economic and legal transformations in Ukraine. It is concluded that the establishment of causal links between the peculiarities of the functioning of the financial sector, the behavior of its subjects and manifestations of illegal activities and the necessary rethinking effective criminological policy and the transition from a descriptive analysis of malignancy to an understanding of internal mechanisms. It has been proven that the determination of criminal offenses in the sphere of activity of non-banking financial institutions is complex, rich and systemic in nature, which implies a combination of mutually related factors. The main groups of determinants have been strengthened and analyzed, including: military-political, financial-economic, organizational-legal and moral-psychological. It has been established that in the minds of the military, their influx is intense, which is manifested in the reduced financial stability of institutions, the growing social disparity of the population, the complicated mechanisms of the sovereign control and transformation of criminogenic processes. Particular respect is given to financial and economic officials, among whom are macroeconomic instability, inflationary processes, reduced paying capacity of the population, imbalance of credit portfolios and regionalization capitalization of credit shares. It is established that the designated factors form the basis for fraud, manipulation of financial resources and the expansion of maliciously motivated crimes. There is an obvious influx of organizational and legal determinants related to the inadequacy of regulatory regulation, the weakness of internal control systems, the fragmentation of information security and insufficient level of mutual cooperation. between subjects of financial visibility. There is a strong emphasis on moral and psychological officials, which manifest themselves in low-level legal culture, deformation of value orientations and the tendency to rationalize unlawful behavior. The growing role of technological determinants, the eradication of cyber crises and the digitalization of financial processes, which create new forms and methods of committing crime, has also been identified. It has been established that effectively eliminating criminal offenses in the sphere of activity of non-banking financial institutions will require a systematic approach aimed at eliminating crime-related factors, strengthening government regulation, strengthening financial monitoring, developing internal control and improving the level of legal and financial culture of market participants.