PROBLEMS OF OPPORTUNISM OF FINANCIAL INTERMEDIARIES IN THE COUNTRIES WITH "TRANSITIVE" ECONOMY

Opportunism, as a form of behavioral model, is inherent to all economic systems without exception. But, the fact remains undeniable that it is in countries with a "transitive" economy opportunistic behavior takes the most diverse forms and significantly affects economic trends in general. To the full extent manifestations of opportunism in "transitive" economies are related to financial intermediation. Moreover, the opportunistic model of strategic development in financial sector of "transitive" economy can be fully sufficiently, to spread over time to a large number of participants. Within this content, the issue arises regarding the possibilities of state influence on these processes. It is obvious that successful implementation of opportunistic strategies in the short term perspective has a positive effect on the effectiveness of financial intermediation. In this case, it is important to talk exclusively about increasing of economic benefits of final beneficiaries. On the other hand, a number of strategic problems arise, without the solution of which the further development of the financial sector is impossible. In the context of identified problems' solving, the state should pay attention to three aspects: firstly, the formation of institutional environment that will make opportunistic behavior economically unprofitable; secondly, increase financial literacy of financial services' consumers; thirdly, changing the format of competition in the financial sector, taking into account the maximum transparency of financial institutions.