Model of Formation of the Bank Deposit Base as an Active Method of Control Over the Bank Deposit Policy
Model of Formation of the Bank Deposit Base as an Active Method of Control Over the Bank Deposit Policy

Summary/Abstract: The bank deposit policy to raise funds in order to replenish the resource base must simultaneously deal with two problems in the current macroeconomic situation in Russia: the development of new opportunities to raise additional funds and cutting the costs of their raising and allocating. To confirm this hypothesis, the article examined retail deposits as the basis of borrowed resources of commercial banks during the crisis; offered classification of factors influencing the formation of the conditions of offering the line of deposits to individuals. The analysis of the conditions of the Russian and foreign markets for deposit sourcing from individuals in commercial banks was conducted, based on which conclusions were made about the state of the raised resources during the crisis period. The model of formation of the bank deposit base was offered as an active method of control over the bank deposit policy, and the algorithm of the application of this model in the allocation of the premium bonus fund of a commercial bank was developed.

• Details
• Contents