Formation of the Resource Base of Banks on the Basis of Household Savings: Theoretical Aspects and Ukrainian Realities
Journal Title: Бізнес Інформ - Year 2015, Vol 9, Issue 0
Abstract
The article is aimed to examine both the basic theory and the current Ukrainian practice of forming the resource base of banks on the basis of household savings. The article discloses the significance of household savings in the formation of the resource base of banks; uncovers a complex of the internal and external factors, underlying the dependence of both resources and resource potential of banks on savings. In the course of the studies, an analysis of the role of deposits of physical persons in the asset formation of Ukrainian banks was conducted, the pivotal contradictions in this process were identified. It has been proved that harmonization of interests of both banks and savers can contribute to solving the problem of formation of the resource potential of the banking system at the expense of savings, though without elimination of the obstacles that create the nonspecific factors of general impact as well as factors of sustainability of the banking system no such harmonization is possible.
Authors and Affiliations
Inna Viadrova, Iryna Dobrovolska
Keywords
Related Articles
- EP ID EP117420
- DOI -
- Views 125
- Downloads 0
Formation of Criteria of Assessment of Infrastructure Projects of Sea Ports Development
The spectrum of criteria, by which assessment of tender offers of projects of state-private partnership in the port industry is carried out, includes a small but capacious set of indicators of financial and economic effi...
The Scientific Foundations for Identifying Factors of Development of the Economic Space of Region
The article is aimed at examining the key factors in the development of regional economic space. An analysis of development management and control of performance of enterprise, higher education institution, and region ha...
Evaluation of the Sustainability of the Development of Human Capital as a Factor in Increasing the Economic Security of the Industrial Enterprise
In hired the role of estimation of level of stability of development of human capital is reflected in providing of economic security of industrial enterprise. The value of the labour and surplus value productivity is con...
A Discrete Model of Market Adaptation
The article offers a dynamic model of market price formation and production, which allows identification of general regularities of influence of production and technological specific features upon evolution of an economi...
Assessing the Level of Shadowing of the Labor Market of Ukraine as a Prerequisite for the Formation of Public Policy of its Deshadowing
The article confirmed the view of economists that the concept of the shadow economy is more concerned with socially neutral or socially positive non-taxable sources of income of citizens and subjects of economic relation...