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
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