However, further their use was inappropriate
 a number of factors, among which are the following:

 - Non-market nature of the use of such tools as it does not
 encourages banks to borrow in the interbank market;

 - Low compared to the permanent interest rate mechanisms;

 - The complexity of determining collateral for such loans;

 - The hidden nature of the competitive advantages of individual banks and others.
 It should be noted that in case of receipt of the stabilization loan possible
 cases where even systemically important and solvent banks will have
 sufficient amounts of collateral.  In this prospective
 software can be fixed assets of the bank, although the central
 financial institutions in some countries to agree to a
 software, then had to have it for many years
 [The liquidity of the banking system of Ukraine: Scientific analyzes.
 Issue.  12 / VI  Mishchenko, AV  Catfish and others.  - Kyiv: Center for Scientific
 Research Bank, 2008.  - 180 p.].  In our view, capital inappropriate
 used as collateral also because of its value in the case of
 bank failure may be too small to cover the amount provided
 central bank credit.  However, acquisition of capital, as
 addition to the recognized species of the central bank may be
 a form of control exercised by supervisors to
 ensure adequate oversight of banks.