umber of country and insufficient loan portfolios required
 for securitization and increasing NPLs, domestic
 banks can not make full use of control mechanism
 liquidity risk.

 In 2009, a major problem is the debt for banks
 budgetary loans.  Loans population in the total loan portfolio
 account for 34%, or 249 billion USD (from 728 billion USD for December 1, 2008
 year) [bank.gov.ua.].  Half of them - the consumer, the rest - a loan to
 buy cars, real estate and land.  Failure to return on bank
 loans this year may reach 20-30% of the total loan
 portfolio, ie banks can nedorahuvatysya 145-218 billion.  USA.  Already
 obvious that a default of the banking system as a whole will not come, but for
 no refinancing National Bank of Ukraine is likely
 default of individual banks.  So refinancing rates are important
 to the domestic banking system