Beregulya A. Household savings in economic grow conditions.

Some conceptual approaches toward development of activation process of accumulation household savings based on the "household saving", "financial assets" definition development are proposed. On the basis on presented analysis the special features of the dynamics of the household savings not only between the industrially developed countries and transformative, but also between the fund market oriented countries and the banking oriented countries were defined. According to the theoretical determination of the zone of influence of the interest rate on the level of deposits was developed. For the improvement of effectiveness of deposit insurance system in Ukraine new approaches for defining of deposit coverage level were offered. The differences between the levels of the influence of various macroeconomic factors on the level of the deposits of household at the regional level were determined.