Traditionally, public procurement has been associated with the measurement of achieving savings. However, recent research shows that the economic impact of public procurement is not limited only to savings, but by measuring the impact of four capitals—natural, human, social, and economic—on sustainable well-being over time. Ukraine is a country with a very low gross domestic product (GDP) per capita, which exacerbates the problem of the impact of public procurement results on the population’s welfare. Ukrainian public procurement legislation allows customers to apply non-price criteria (the share of non-price criteria cannot be more than 70%), which, together, are taken into account in the formula of the quoted price. The studies show that the effect of the use of non-price criteria depends on the relevance of the method of the evaluation of non-price criteria. The most important non-price criteria for Ukrainian customers by product categories and the methods of their evaluation are analyzed according to the Bi.prozorro.org analytics module. Therefore, it is concluded that the quoted price method, which is used in Ukrainian practice, is not relevant in comparison with the method used in the EU. A survey of the government buyers on the practice of applying non-price criteria was conducted, and the areas of their use were identified.

In this scientific article, the etymology of the term «ombudsman» is explored, the features of the institution of the financial ombudsman in Poland are revealed. The genesis of establishment of an institution is analyzed and determined the factors that contributed to its appearance. The features of the financing of the institution Rzecznika Finansowego are outlined, the current trends in processing requests from insurance companies are determined. The role of the financial ombudsman in the development of the financial market of Poland has been identified. The list of proposals on improving the norms of the draft law of Ukraine «On the establishment of a financial ombudsman» has been formed, based on positive Polish experience. It is proved that the mission of the financial ombudsman institution in Poland is to take measures in the area of protecting clients of financial market participants, to represent their interests in applying the provisions of legal acts in accordance with the principles of social coexistence. There is studied the structure of the financial ombudsman office of Poland, which works under the direct supervision of the ombudsman and consists of departments: client of the insurance and pension markets; client of the banking market and capital market; out-of-court settlement of disputes; administrative and financial. In the course of the analysis, two main models of the behavior of the financial ombudsman in Poland are outlined: intervention, the main purpose of which is to support clients in the dispute, and mediation — settlement of the dispute by concluding a settlement agreement. The number of insurance claims received by the insurance and financial ombudsman of Poland and the percentage of their satisfaction by financial institutions during 1995—2017 was monitored. The research was initiated by a group of scientists within the framework of the organization and holding of the international conference «Institute of Financial Ombudsman - Ukrainian View on Polish Experience» based on Krakow University of Economics and contains a modern analysis of the most important issues concerning relations between the financial ombudsman of Poland, insurance companies and consumers of insurance services. On the basis of the developed positive Polish experience of the Financial Ombudsman Institute, a list of proposals for improving the norms of the draft Law of Ukraine «On the Establishment of a Financial Ombudsman» was prepared.