Development of the financial services market is an important component of the national economy’s development. Within this market, credit and investment resources are formed, which are the basis of economic development of the real economy sector of the state. It is this that determines the importance of creating conditions for improving the efficiency of financial institutions, which become intermediaries between persons who have free funds and those economic entities that they need. The outlined justifies the relevance of the topic. Consequently, taking into consideration the objective of the study, the following aim of its implementation was set: to identify and substantiate the main determinants of the development of the financial services market in Ukraine. To achieve this goal, the following tasks were set and solved: to identify the main, most important, measures of transformation of the environment of financial institutions functioning; to substantiate the essence of such measures and the peculiarities of their implementation; to specify basic actions within the limits of separate determinants of the financial services market development, to describe their applied character. Method. In the course of the research, a range of different scientific methods was used. Among the general techniques, it is necessary to allocate methods of observation, comparison, abstraction. It is advisable to include the method of economic analysis, synthesis, system approach, content methods, and event analysis in specific research methods. Results. Universal priorities of financial services markets development in different countries are determined and systematized, the analysis of which made it possible to investigate perspective determinants of the development of such a market in Ukraine, peculiarities of their introduction into the functioning of the financial services sphere are described. Among these measures are the following: increase in the stability of financial institutions, increase the transparency of the functioning of producers and consumers of financial services, raising the level of financial literacy in society, reforming the state regulation system of the activities of financial intermediaries, the formation of the trust infrastructure system. Taking into consideration the received scientific outcomes, the justification of peculiarities on the implementation of these priorities in the system of the financial services market functioning in Ukraine is conducted. Practical implications. The research results obtained in the course of the research implementation regarding the possibilities of changing the financial services market for improving the efficiency of financial institutions work have an applied character, and their implementation will make it possible to form a new environment for the functioning of such economic actors. This will facilitate the transformation of financial resources to increase the formation of investment and loan funds. The results obtained can be used by public authorities that regulate the activities of financial institutions in the process of developing new strategic documents for the development of the financial services market in Ukraine. Value/originality. The conducted research is relevant, considering the significant impact of the financial services market on the development of the national economy, the proposed measures for the development of such a market are applied and can be used by public authorities in the regulation of the activities of financial institutions. This research has been conducted within the framework of the scientific work implementation Department of Finance, Banking and Insurance, Chernihiv National University of Technology, Ukraine on the following topics: “Financial stability of economic systems in crisis conditions of management” (No. 0115U001149) and “Development of financial intermediaries in the turbulent conditions of the national economy’s functioning” (No. 0115U001149).

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The increasing level of population coverage with housing has traditionally been among the most relevant and challenging issues for the national economy of Ukraine. The military conflict, now in its second year, is changing the priorities of the public housing policy and requiring the search for new efficient methods of restoring the lost housing stock and regulating housing construction. The article addresses the volume of capital investment in residential construction in Ukraine and explains the financial framework for residential construction regulation. World best practices in the use of financial instruments in the regulation of the industry are systematized. The authors' view of the system of financial leverage of residential construction regulation is offered. The analysis of the housing affordability indicators shows that the average household income is insufficient to purchase housing and repay a mortgage. Meanwhile, the research indicates that a mortgage is one of the most common financial instruments for the purchase of housing for Ukrainians. The analysis of the level and dynamics of mortgage interest rates shows that they are 4.6 times higher in the euro than in the EU countries. The study of modern housing practices in Ukraine emphasizes the need to introduce new principles of sustainable financial regulation in residential construction. The article substantiates a set of these principles and recommends their implementation. The assessment of modern realities and consequences of hostilities in Ukraine reveals significant losses of housing stock (about 40%) and the need to change the priorities and tasks of public housing policy. An examination of the country's recovery and post-war housing programs allows the identification of the principles of transparency, openness, inclusivity, energy efficiency, resource efficiency, and sustainability as key strategic priorities in financial regulation.

ConCePTuAl APProACh To finAnCiAl SuPPorT of reGionAl TerriTory infrASTruCTure DeVeloPMenT Purpose. A theoretical overview of the conceptions related to financial support of the city government, as well as scientific and applied substantiation of the conditions necessary for the formation of the territorial infrastructure, which will enhance potential prospects of its enterprise development.Methodology. By way of scientific generalization, we have determined the peculiarities of using enterprise approach to creating the objects of territorial community infrastructure and developed an analytical approach to assessing the schedule of the received payment disbursement in terms of credit price, provided a quantitative assessment to different options of liabilities discharge.findings. Analysis has been used to justify the dependence of the raised funds costs on the schedule of their disbursement. Economic prerequisites, which significantly influence the final results of the enterprise project, have been specified. Emphasis has been made on the possibility to optimize financial and credit relationships between business subjects and banks. The optimal inter est rate, which ensures satisfactory demand for credit financing, has been identified. Feasibility of the accelerated schedule of credit resources disbursement has been proved for the conditions of putting the object into the starting operational capacity. Orga nizational and economic prerequisites of financial solutions to social problems associated with the territorial community demands were determined in terms of enterprise approach principles.originality. It has been established that there is an analytical dependence between the total costs of the credit reimbursement and the term of the business object commissioning into operation. It was found that the crediting schedule (accelerated, regular, slow) influences the value of the involved costs. The advantages of using enterprise approach to implementation of projects related to the development of infrastructure on the community residential territory have been determined.Practical value. It was proposed to apply an alternative approach to ensuring development of the territorial community in con ditions of limited target financing.

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