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BUSINESS INFORM №9-2015

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48

Section: Finance, Money Circulation and Credit
UDC 336.71
Viadrova I. M., Dobrovolska I. O.
Formation of the Resource Base of Banks on the Basis of Household Savings: Theoretical Aspects and Ukrainian Realities (p. 301 - 307)

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.
Keywords: resource base of bank, household savings, resource potential of bank, resource sustainability of bank, financial literacy of population
Fig.: 3. Tabl.: 2. 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]
Dobrovolska Iryna O. – Candidate of Sciences (Economics), Associate Professor, Department of Banking, Kharkiv Educational and Scientific Institute of SHEI «Banking University» (55 Peremohy Ave., Kharkіv, 61174, Ukraine)
Email: [email protected]

Article is written in Ukrainan
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Reference to this article:
Viadrova, Inna M., and Dobrovolska, Iryna O. (2015) “Formation of the Resource Base of Banks on the Basis of Household Savings: Theoretical Aspects and Ukrainian Realities.” Business Inform 9:301–307.


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