Удосконалення депозитної політики банківських установ

Abstract

У статті досліджено теоретичні і практичні аспекти комплексної розробки депозитної політики банківських установ. Визначено сутність, завдання та складові елементи депозитної політики банку. Обґрунтовано основні проблеми при формуванні депозитної політики банківських установ України. Розроблено основні напрями підвищення ефективності депозитної політики вітчизняних банків.Introduction. Effective resources management involves the realization of deposit policy, the lack of which makes it difficult to attract resources, which leads to an imbalance in their use, and the involvement of non terms of resources or violates the principle of cost fundraising. Thus, complex development of theoretical and practical issues of forming and implementation of deposit policy of bank is an important problem whose solution will enable the introduction of integrated economic service contractors that adequate current economic situation in the country. Purpose. The aim of the article is development of theoretical approaches and practical recommendations concerning improvement of forming and realization of deposit policy of banking institutions in Ukraine. Results. The theoretical and practical aspects of complex development of deposit policy of banking institutions are investigated in the article. The essence, tasks and component elements of deposit politics of bank are defined. It is proved that the deposit policy of bank is manifested through principles; goals and tasks; the set of methods and means of achieving the goal deposit policy; the management of deposit resources to ensure an acceptable level of profitability and liquidity of bank. The deposit portfolio of domestic banks is analyzed and the major problems of forming of deposit policy of banking institutions of Ukraine are identified? Which must include: absence of stability and revival of economic activity; reduction in real incomes of population as a result of increase of inflationary changes; reducing confidence to bank institutions; insufficient level and quality of higher and middle level of management of bank. The main directions of improving the efficiency of deposit policy of domestic banks are developed. Banking institutions should continuously improve of its deposit policy through the uses of financial and marketing tools by which should constantly develop new products, which should focus on raising funds on deposit and apply measures to minimize unexpected withdrawal of deposits from customers. Conclusion. The complex development of theoretical and practical questions of forming and inmplemantation deposit policy of banking institutions is an important problem whose solution will enable the introduction of an integrated service economic counterparties are adequately the current economic situation in the country, create mechanisms for harmonization of the system with internationally recognized practices and significantly increase its quality.