Dobrovolska I. Household savings in the resource potential of the bank

Object of research: the process of formation of the resource potential of the bank through savings; Objective: To clarify the theoretical base of the resource potential of the bank - based savings and develop practical recommendations to enhance the process of attracting savings in the banking sector; methods and techniques: methods of analysis and synthesis, heuristic methods, methods of correlation and regression analysis methods of economic- mathematical modeling; Theoretical and practical results: the economic concept of "savings", which proposed a system to understand the relationship between population and economic entities that arise in the process of separation incomes in order to keep them in different forms; determining the nature of the resource potential of the bank, which is considered as an integrated set of the available resource base of the bank, its key characteristics, conditions of use of resources; methodological approaches to defining components of the Deposit Guarantee - namely, provides for a mechanism for additional security deposit of deposits in an amount that exceeds the limit of guaranteed compensation; distribution system classifications savings due to selection criteria "for the degree of liquidity "and" per lifetime"; study of the structure and the nature of relationships in the system forming resource potential bank - based savings by extending the subject-object structure of the system; factors influencing adherence savings in the banking sector and its transformation into a resource potential of banks; periodization phases attracting savings resource potential for the formation of banks due to the definition of communication between them; systematization of the factors that determine the dependence of bank resources from retail deposits and determine the role of savings in shaping the resource potential of the banks; methodical approach to the evaluation of the impact of banks on the development of resources from savings; Degree of implementation: development implemented in practice Regional Office number 3 PJSC "Alfa-Bank" (Kharkiv), JSC "East Ukrainian bank "Grant" (Kharkiv ), Department of Economics and International Relations of the Kharkiv regional state administration, learning process Kharkiv Institute of banking UB NBU (Kyiv); Scope: Household savings in the resource potential of the bank