Information Awareness of Depositors in the Deposit Products Market of Ukraine
Journal Title: Бізнес Інформ - Year 2013, Vol 8, Issue 0
Abstract
The article analyses important and topical for Ukraine issues concerning the level of information awareness of depositors and quality of information distributed in the deposit products market. It defines information asymmetry, the lemon market. It studies specific features of making up ratings on the basis of open and public information and on the basis of internal information that is not publicly available. It conducts comparison of ratings of reliability of bank deposits made up with the use of different sources of information. It marks out main blocks of information about deposit products and services, which are subject to distortion more frequently and to a bigger extent. It reveals specific features and sources of information used by the depositors in the process of selection of a banking institution. Using example of Prominvestbank, the article establishes the reasons that initiate "bank runs". It marks out factors that cause appearance of the problem of a "free-rider" in the deposit market and its possible consequences.
Authors and Affiliations
Hanna Panasenko
Keywords
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