Page 75 - NO.150銀行家雜誌

央行（NBU）和銀行業的非政府組織已經展開
壓力測試，只是因為當時政府堅稱俄國不會入
侵，測試結束之後並沒有發表結果。
但杜巴斯表示，「其實早在2014年至

2019年左右，銀行業就已經開始因應戰爭」。
烏克蘭在2014年跟台灣很像，台灣發生了太陽
花運動，烏克蘭則發生暴力程度高出許多的親 在烏俄戰爭開打的第一階段，許多難民提款時都遇到問題，但支付系統
立即補上漏洞。（圖／達志影像）
歐盟示威運動（Euromaidan），從此之後在政
治和商業上都開始脫俄入歐。很多人都知道，
後來俄羅斯以「灰色地帶」（Grey Zone）的形式 理革命。當時烏克蘭的腐敗非常嚴重，總統亞
發動了一些入侵，使烏克蘭的軍方開始現代化； 努科維奇奢華成性，遲遲不願簽署那份強制金
但其實同一時間，烏克蘭的銀行業也開始現代 融業者透明化的《烏克蘭–歐盟聯合協議》，
化。在今年2月俄羅斯公開入侵之後，烏克蘭之 最終導致民眾上街抗議，亞努科維奇潛逃外

所以能撐這麼久，銀行業的現代化功不可沒。 國，他的貪腐細節才終於為人所知。
當時的銀行業也充斥自我交易（S e l f-
金融監理大革命 Dealing），日後的央行總裁瓦蕾莉雅‧洪特
瓦（Valeria Gontareva）斥其為「寡頭銀行體
2014年的改革目標之一，就是銀行業的監 系」，讓人脈沒那麼好的小型企業很難獲得

uncertainty of a fluid military situation. marked a decisive turn away from Russia in both
The best way for banks to prepare for a military politics and business. In this sense, they could be

contingency is to balance system stability with compared to the Sunflower Movement which occurred
inclusiveness. Ukraine did implement some short- in Taiwan that same year, although significantly more
term measures as Russia’s intentions became violent. Ukraine’s military modernization following
clearer in late 2021, according to Andriy Dubas, Russia’s “grey zone” invasion that year has attracted
President of the Association of Ukrainian Banks. The much attention, but less recognized was a parallel
central bank, as well as non-governmental industry process in the banking sector as well, giving the
organizations, organized stress tests for banks, country an important additional element of resilience
which were kept quiet as the government still insisted following Russia’s overt invasion in February.
that no invasion would take place.

Nevertheless, said Dubas, “the real preparations A revolution in banking regulation
for the war took place from 2014 to about 2019.”
2014 was the year of the Euromaidan protests, which Banking regulators were one of the main objects

台灣銀行家2022.6月號 75

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