DOI: https://doi.org/10.18371/fcaptp.v1i28.163025

CONDITION AND PROBLEMS OF FORMATION OF DEPOSIT RESOURCES OF UKRAINIAN BANKS AT THE EXPENSE OF THE FINANCES OF HOUSEHOLD

S. M. Pороva, O. P. Melnykova, D. M. Zagorska, N. V. Nevidoma

Abstract


Activity of banking sector is impossible without engagement of deposit resources. Presence of resources directly influences of credit-investment banks activity. Analysis of statistics showed that the largest share in deposit portfolio of the banks of Ukraine is taken by the deposits of household. Existing economical, political and social factors make difficult process of engagement of finances of household to banking sector. Such situation hinders investment activities of the banks and, as result, economical growth of the country. In connection with that research of the problems of formation of deposit resources of the banks at the expense of the finances of household is enough urgent. This process requires more sophisticated analysis.

InthearticlecomprehensivestatisticalanalysisofdynamicsofthestructureofdepositresourcesofthebanksofUkrainefor 2007—2017 years. As well the main tendencies in dynamics and the structure of deposit portfolio of the banks of Ukraine were revealed. The largest attention is paid to analysis of dependence of deposit resources of the banks from the incomes of the population. The main statistical methods were used during analysis. The tendency of decrease of rates of additions of household’s deposits was revealed as compared with rates of additions of the incomes of the population.

The authors constructed the regression model of dependence of household’s deposits from the incomes of Ukraine population. The appropriate Russia ratings were considered for more sophisticated analysis of formation deposit resources. The regression model was constructed for Russian data. In the article comparative analysis of constructed models is carried out.

Constructed models have high quality and can be used for construction of forecasts. The models can be used as base for research of events on engagement of deposit banks resources.


Keywords


deposit; banking sector; household; deposit resources; incomes of the population; investment activity; regression model.

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Copyright (c) 2019 S. M. Pороva, O. P. Melnykova, D. M. Zagorska, N. V. Nevidoma

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ISSN (print) 2306-4994, ISSN (on-line) 2310-8770