The Role of the Deposit Guarantee System in Raising the Level of Public Confidence in Depository Institutions

Problemi Ekonomiki

Dubyna Maksym V.¹  Prokopenko Valeriia Yu.² 

[1] Candidate of Sciences (Economics), Associate Professor, Candidate on Doctor Degree, Department of Finance, Banking and Insurance, Chernihiv National Technological University;Doctor of Sciences (Economics), Professor, Director, International Institute of Innovative Educational Technologies;

关键词: insurance;    deposit insurance;    deposit guarantee;    Deposit Guarantee Fund for Individuals;    commercial bank;    non-bank organization;    credit union;   

DOI  :  

来源: DOAJ

【 摘 要 】

The main aim of the article is to study the essence of the deposit guarantee system and determine its role in increasing the level of public confidence in depository institutions. The issues of development of the deposit insurance system in Ukraine are considered, its main elements are defined, in particular, the deposit guarantee system and the voluntary deposit insurance system. The features of their functioning are analyzed. Furthermore, it is found that in the domestic market of deposit services the leading role in ensuring the return of funds to citizens is played by the system of individual deposit guarantee. It is established that the main subject of the system is the Deposit Guarantee Fund for Individuals, which implements the government policy in this area. The article analyzes the current trends in the operation of the Fund and, in general, the entire system of deposit guarantee. This made it possible to determine the key problems in the work of the system and the direction for its further transformation.

【 授权许可】

Unknown