Goods and property as subject and object of accounting: economic, legal and philosophical aspects

Анотація

The paper is devoted to studying trends in the deposit market of Ukraine and establishing the relationship between the bank's deposit portfolio and strengthening its credit positions. This topic is relevant today, since the security of the deposit base is the key to the sustainable operation of banks in the crisis economy of Ukraine. The purpose of the paper is to study trends in the development of deposit activities of the banking system of Ukraine, establish the interdependence between the deposit resources of banks and the volume of credit operations to develop effective management measures aimed at developing work in the field of raising funds, taking into account the risk factor, to strengthen the credit potential of banking institutions in the context of the crisis state of the Ukrainian economy. The paper studies the development trends of the deposit and credit markets of Ukraine. It is noted that the decrease in the credit capabilities of banking institutions in the country is due to a lack of long-term resources, limited access to borrowing on international markets, and a deterioration in the solvency of borrowers. With this in mind, management steps for implementing the bank's deposit policy are presented. Each of these stages is directly related to the others and is mandatory for the formation of an optimal deposit policy of a credit institution and the correct organization of the deposit process. In turn, as we have determined, the prerequisite and basis for activating work in this direction is the formation of a proper supporting component. The risks that the bank faces when attracting resources are also considered, methods of managing them are proposed, and management measures are developed to improve the development of the deposit policy of Ukrainian banks. A certain approach to managing the development of deposit resources of a banking institution will help identify and solve many internal problems of credit institutions, will allow developing tools to strengthen their credit potential, which will allow them to obtain real competitive advantages and ensure a stable position in the market.

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