Deposit Policy of a Bank and its Main Directions of Reformation
Journal Title: Бізнес Інформ - Year 2013, Vol 6, Issue 0
Abstract
The article defines the "deposit policy", "deposit" and "depositor" notions. It systemises internal and external factors that influence the bank's deposit policy. The conducted systematisation gave a possibility to confirm that the "deposit policy" notion should be considered at two levels: at the level of the state and at the level of the bank. The article identifies types of deposit policy with consideration of the degree of participation of the state, which include: the conservative policy or the policy of strong state regulation of deposit institutions; liberal policy; and mixed policy. It conducts classification of deposits in correspondence with classification features, namely by the: form of money turnover, objects, terms, subjects, sectors of economy, types of entrepreneurship, accumulation of interests and client location. It analyses dynamics of deposits attracted by deposit corporations and studies deposit of residents by sectors of economy. It establishes that the most active sectors of economy by volumes of accumulation of money funds on deposit accounts are households and non-financial corporations. It develops main directions of increase of efficiency of the bank's deposit policy.
Authors and Affiliations
Svetlana Kucherenko, Yana Likhochas
Keywords
Related Articles
- EP ID EP120744
- DOI -
- Views 68
- Downloads 0
Determining the Level of Obsolescence in the Technological Audit of Intellectual Technologies
The article is aimed to develop methodical recommendations for estimating the level of obsolescence of intellectual-innovative technologies (intellectual property objects). A detailed analysis of the existing methodical...
Accounting Problems of Logistics Costs for Domestic Enterprises
In article the directions of the solution of problems of the accounting of logistical expenses at the domestic enterprises are defined, namely: it is necessary to enter into book of accounts of accounting of the subaccou...
Models of Multivariate Statistical Analysis in the Study of the Competitive Positions of the State
The proposed multivariate statistical analysis instruments which based for making decisions on the development of effective tools for managing the state economic security implementation of which will form the management...
Information Support of Financial Control Based on International Accounting Standards for the State Sector
The requirements for accounting and reporting on the implementation of budgets in accordance with the two approaches were summarized: the statistical bases of financial reporting within the System of National Accounts an...
Social Guarantees as a Stabilisation Institution under Conditions of Global Uncertainty
The article reveals a special role of social guarantees as an economic institution in overcoming uncertainty of impact of global transformational shifts on functioning and development of economic systems. It shows that,...