Analysis of international systems of deposit guarantee

Tetyana Leonidivna Kovalenko


Abstract


Introduction. Today vector of deposit insurance system should aim to not only solve short-term problems, but also have a preventive character, including taking into account the best international experience. Therefore, research experience zaru¬bizhnoho deposit guarantee systems to determine their specificity and their features vyyavy¬ty capable of applying to the Ukrainian realities.

Goal. The article is an analysis of the existing deposit guarantee systems in the world economy and justification of approaches to the problem of deposit insurance system in Ukraine.

The method (methodology). Based on observation and statistical and economic analysis methods deposit guarantee systems in different countries grounded approach to the problem of deposit insurance system in Ukraine.

Results. For effective reimbursement of deposits guaranteed by the state (as of today - 200 thousand. UAH) should be incorporated into Ukrainian law best practices in some European and US jurisdictions.

Given the experience of these countries in the implementation of insurance investors in our country must find new approaches to solving this problem that will continue to increase confidence in banks. At present they can be: the identification of practices that cause problems banks; analysis of each banking institution's Fund Deposit Guarantee and forecast of its productive activity for a certain period; consider the possibility of guaranteeing deposits of legal entities as part of the resource base of the banking institution.


Keywords


banks; deposits; insurance of bank deposits; Deposit Guarantee Fund of individuals

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References


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Articles are distributed under Creative Commons Attribution  International 4.0 (CC-BY-NC 4.0) 


Science Works Journal "Ekonomichnyy analiz"

ISSN 1993-0259 (Print)  ISSN 2219-4649 (Online) DOI: 10.35774/econa


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