BUSINESS INFORM JOURNAL.

УКР

ENG

Search:

REGISTRATION CERTIFICATE

KV #19905-9705 PR dated 02.04.2013.

FOUNDERS

RESEARCH CENTRE FOR INDUSTRIAL DEVELOPMENT PROBLEMS of NAS (KHARKIV, UKRAINE)

According to the decision No. 802 of the National Council of Television and Radio Broadcasting of Ukraine dated 14.03.2024, is registered as a subject in the field of print media.
ID R30-03156

PUBLISHER

Liburkina L. M.

SITE SECTIONS

Savings of the Population as a Source of the Banks’ Resources: The Essence, Status, and Prospects
Viadrova I. M., Morozov O. V.

Viadrova, Inna M., and Morozov, Oleksandr V. (2020) “Savings of the Population as a Source of the Banks’ Resources: The Essence, Status, and Prospects.” Business Inform 12:355–361.
https://doi.org/10.32983/2222-4459-2020-12-355-361

Section: Finance, Money Circulation and Credit

Article is written in Ukrainian
Downloads/views: 1

Download article (pdf) -

UDC 336.71

Abstract:
The article is aimed at theoretical deepening the understanding of the essence of savings of the population and their role in the formation of the resource base of banks, as well as analyzing the domestic banking practices on the use of this source in the formation of the banks’ resources. The article explores the essence of savings of the population and defines their role in the formation of the banks’ resources. Based on the consideration of the approaches to understanding the concept of «savings of the population», it is stated that their essence is manifested in four aspects: firstly, the savings of the population are a deferred part of their income; secondly, savings are part of the money supply; thirdly, savings can be conceived as the process of making decisions on asset accumulation; fourthly, savings are embodied in the accumulated assets of different nature. The authors’ own understanding of the concept of «savings of the population» is proposed. The main forms of savings of the population, which are represented by both the financial and the non-financial instruments, are generalized. Considerable attention is paid to the analysis of analytical indicators of savings of the population and their role in the formation of the banks’ resources. It is determined that the savings of the population play an exceptionally important role in the formation of the resource base of banks. This is justified by the share of deposits of individuals in the resources of banks, which since 2015 has been steadily growing and at the end of 2019 amounted to 37%. The problematic aspect in the analysis of public savings is the lack of data on their size accumulated by the total. The assessment of the State-based programs of Ukraine showed that they do not focus on the importance and role of savings of the population as a source of investment resources for the development of the economy. The main tendencies and problems that prevent the maximum efficient use of savings of the population for the formation of banks’ resources are allocated.

Keywords: savings of the population, the bank’s resource base, forms of savings, resource potential, transformation mechanism, deposits.

Fig.: 2. Tabl.: 1. Bibl.: 11.

Viadrova Inna M. – Candidate of Sciences (Economics), Associate Professor, Deputy Director, Educational and Scientific Institute «Karazin Banking Institute» of V. N. Karazin Kharkiv National University (55 Peremohy Ave., Kharkiv, 61174, Ukraine)
Email: [email protected]
Morozov Oleksandr V. – Masters Student, V. N. Karazin Kharkiv National University (4 Svobody Square, Kharkіv, 61022, Ukraine)
Email: [email protected]

List of references in article

Prymostka, L. O., and Shevaldina, V. H. “Zaoshchadzhennia naselennia Ukrainy: formuvannia ta zaluchennia v banky“ [Savings of the Population of Ukraine: Formation and Involvement in Banks]. Kyiv : KNEU, 2014. https://ir.kneu.edu.ua/bitstream/handle/2010/30143/Prymostka.pdf?sequence=2&isAllowed=y
Sheiko, O. P., and Storozhenko, O. O. “Rol zaoshchadzhen naselennia u formuvanni resursnoi bazy bankiv Ukrainy v suchasnykh umovakh“ [The Role of Savings in the Formation of Ukrainian Banks' Resource Base in Modern Conditions]. Sotsialno-ekonomichni problemy suchasnoho periodu Ukrainy, no. 1 (2014): 279-286.
Bubenov, Yu. V. “Osoblyvosti formuvannia zaoshchadzhen domohospodarstv“ [Features of Formation of Household Savings]. Ekonomichnyi forum, no. 4 (2014): 175-187.
Pavliuk, T. I., and Urbanovych, V. A. “Analiz dynamiky ta struktury zaoshchadzhen naselennia Ukrainy“ [Analysis of the Dynamics and Structure of Savings of the Population of Ukraine]. Naukovyi ohliad. 2016. https://naukajournal.org/index.php/naukajournal/article/viewFile/948/1086
Kovalenko, V. V., and Serhieieva, O. S. “Zaoshchadzhennia naselennia u zabezpechenni finansovykh resursiv bankiv“ [Public Savings in Support of Financial Resources of Banks]. Infrastruktura rynku. 2019. http://www.market-infr.od.ua/journals/2019/28_2019_ukr/43.pdf
Vatamaniuk, O. Zaoshchadzhennia v ekonomitsi Ukrainy: makroekonomichnyi analiz [Savings in the Economy of Ukraine: Macroeconomic Analysis]. Lviv: LNU im. I. Franka, 2007.
Alekseienko, M. Kapital banku: pytannia teorii i praktyky [Bank Capital: Questions of Theory and Practice]. Kyiv: KNEU, 2002.
Tsytok, R. P. “Zaoshchadzhennia domohospodarstv yak nezaluchenyi investytsiinyi resurs“ [Household Savings as an Uncommitted Investment Resource]. Ekonomika ta derzhava, no. 12 (2018): 74-80. DOI: 10.32702/2306-6806.2018.12.74
Kizyma, T. O. “Zaoshchadzhennia domohospodarstv: svitovyi dosvid i vitchyzniani realii“ [Household Savings: World Experience and Domestic Realities]. Innovatsiina ekonomika, no. 7 (2013): 171-176.
“Dokhody ta vytraty naselennia Ukrainy“ [Incomes and Expenditures of the Population of Ukraine]. Ofitsiinyi sait Derzhavnoi sluzhby statystyky Ukrainy. http://ukrstat.gov.ua/operativ/operativ2005/gdn/dvn_ric/dvn%20_u/dvn_u.htm
“Osnovni pokaznyky diialnosti bankiv za 2010-2019 rr.“ [The Main Indicators of Banks for 2010-2019]. Ofitsiinyi sait Natsionalnoho banku Ukrainy. https://bank.gov.ua/ua/statistic/supervision-statist/data-supervision#1

FOR AUTHORS

License Contract

Conditions of Publication

Article Requirements

Regulations on Peer-Reviewing

Publication Contract

Current Issue

Frequently asked questions

INFORMATION

The Plan of Scientific Conferences

OUR PARTNERS

Journal «The Problems of Economy»

The site and its metadata are licensed under CC BY-SA.

Write to webmaster