EFFECTIVE DEPOSIT POLICY OF THE BANK AS A CAPITALIZATION OF PROFIT
Journal Title: Науковий погляд: економіка та управління - Year 2018, Vol 4, Issue 62
Abstract
One of the main tasks of our country today is to ensure stability and improve the main economic indicators, and the availability of a sufficient amount of resources is important. Since a significant part of cashless funds is concentrated in the banking sector, it serves as the main source of financial resources. Providing the necessary resource potential (own and borrowed) banks is the basis for the effective functioning of the banking system and the country as a whole. The article analyzes the economic essence of the concept of «bank resources» in the works of domestic scientists. The approaches of different scholars to his interpretation and the main advantages of each are determined. The actual definition of the definition of «banking resources» is suggested, which in our opinion is more accurate and combines the approaches of its interpretation of different scientists. The main sources of banking resources formation and their types are analyzed. One of the main and most important tools for forming a bank’s resource base is its deposit policy, which is a set of measures and methods necessary for attracting funds from depositors. The development of deposit policy is an important process for the development of a commercial bank. At the same time, its rational and efficient organization, control and management helps to improve the relations between the bank and its clients. The essence of deposit policy and its role in banking institutions activity are considered. The main factors influencing its formation are determined. At the same time, this way of generating financial resources has many advantages for both clients and commercial banks. The main motives of savings and savings of the population, which lead to the opening of deposit accounts, are analyzed. Therefore, in order to achieve the maximum effect, it is necessary to provide the most convenient and favorable for both parties terms of deposit agreements.
Authors and Affiliations
Yana Kolesnik, Nataliіa Baranenko
Keywords
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- EP ID EP450503
- DOI 10.32836/2521-666X/2018-4-62-12
- Views 140
- Downloads 0
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