Tarasenko O. Formation of depositary conduct of households in the financial services market of Ukraine

The thesis is devoted to the research of theoretical and methodical principles of the process of formation of depositary conduct of households in the financial services market and development of practical recommendations for its transformation in order to increase the volumes of temporarily available funds of individuals attracted by financial institutions. The essence of deposit conduct, its kinds, and the features of the formation of depositary conduct of households are revealed and described within the article. Scientific provisions of knowledge of the nature of depositary conduct of households through the application of a process approach to its consideration in order to identify and describe the main components of such a process, finding out the place of the reflexive process in the formation of this type of conduct are improved. This provided an opportunity to substantiate the need to implement the planned impact on the subsequent actions of consumers of custody services through the introduction of appropriate measures for the correction of their conduct. Methodological approaches to assessing the state of the financial services market functioning and describing the model of depositary conduct of households in such a market are proposed within the thesis. The outlined methodological provisions have been applied, which allowed to elaborate the basic problems of activating the functioning of the deposit services market and increase the role of households in its functioning. Conceptual bases on implementation of the formation mechanism of the depositary conduct of households in the financial services market are substantiated. Goals of such a mechanism, its principles of construction, functions and the system of implementation provision are determined. In addition, methods and coherent tools for this mechanism are determined, the use of which will increase the propensity of households to implement saving conduct and increase the volumes of funds transferred to financial institutions for the temporary use of resources.