List of publications on a keyword: «депозитные операции»
Парадигмы современной науки
Derkach Natalia Olegovna , candidate of economic sciences , доцент
FSBEI of HE "Altai State University" , Алтайский край
«Депозитная политика как базовый элемент фондирования коммерческого банка»
The deposit policy plays a special role in the funding of Russian banks, which is caused by the prevalence of deposit sources in the structure of the resource base of credit institutions. The change in the conditions for raising funds in the economy with considerable volatility causes the expediency of continuous improvement of the methodological foundations in the formation of deposit resources, which determines the relevance of the chosen topic. The authors summarize the existing scientific base in the field of deposit policy development, the factors affecting the effectiveness of its implementation are presented. In conclusion, the authors come to the conclusion that the deposit policy forms not only a large part of the bank's resources, but also its credit potential, and the effectiveness of financial activity. Therefore, any innovations in this area are possible only with stable financial stability, in any other economic conditions, commercial banks will seek to retain liquidity by improving approaches to the most developed and attractive client segments.