Problems of Attracting Long-Term Deposits of Individuals in Ukraine and Directions for their Solution

The key problems that hinder the intensification of attracting long-term deposits of the population in Ukraine are identified: low demand of individuals for long-term deposits; a set of factors that prevent the intensification of long-term lending and reduce the demand of banks for long-term deposit...

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Autor principal:	Hladkykh Dmytro M.
Formato:	article
Lenguaje:	EN RU UK
Publicado:	Research Centre of Industrial Problems of Development of NAS of Ukraine 2021
Materias:	deposit credit individuals bank nbu Business HF5001-6182
Acceso en línea:	https://doaj.org/article/b6ed78c4f1f040828b57d62fa78e8344
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spelling	oai:doaj.org-article:b6ed78c4f1f040828b57d62fa78e83442021-11-04T10:02:28ZProblems of Attracting Long-Term Deposits of Individuals in Ukraine and Directions for their Solution10.32983/2222-4459-2021-9-202-2072222-44592311-116Xhttps://doaj.org/article/b6ed78c4f1f040828b57d62fa78e83442021-09-01T00:00:00Zhttps://www.business-inform.net/export_pdf/business-inform-2021-9_0-pages-202_207.pdfhttps://doaj.org/toc/2222-4459https://doaj.org/toc/2311-116XThe key problems that hinder the intensification of attracting long-term deposits of the population in Ukraine are identified: low demand of individuals for long-term deposits; a set of factors that prevent the intensification of long-term lending and reduce the demand of banks for long-term deposits of the population; imperfection of the current mechanism of the State-based regulation of banking activities. As part of the solution to these problems, a number of recommendations proposed were aimed at: increasing the level of financial inclusion; resumption of the possibility of early termination of bank term deposit agreements on the initiative of the depositor; abolition of personal income tax on income in the form of interest for deposits of the population for a period of more than 1 year; gradual increase in the guaranteed amount of reimbursement on deposits of individuals; increasing the level of public trust in banking institutions and the regulator; stimulating the population’s tendency to save by means of reducing inflation to the target indicator; reduction of the share of non-performing loans in the bank’s portfolio; gradual curtailment of the practice of providing banks with long-term refinancing in order to reorient the latter to attract long-term deposits of individuals; change of the conditions of the governmental program «Affordable loans 5–7–9 %»; increasing the availability of loans for the purchase of housing within the framework of the governmental program «Affordable mortgage 7 %»; development of additional mortgage crediting programs focused on the purchase of housing in the primary market; differentiation of obligatory reserve of attracted funds depending on the maturity; normative establishment of the share of long-term deposits of individuals in the total amount of bank deposits of the population; normative establishment of the share of assets of banks invested in government bonds (OVDPs).Hladkykh Dmytro M.Research Centre of Industrial Problems of Development of NAS of UkrainearticledepositcreditindividualsbanknbuBusinessHF5001-6182ENRUUKBìznes Inform, Vol 9, Iss 524, Pp 202-207 (2021)
institution	DOAJ
collection	DOAJ
language	EN RU UK
topic	deposit credit individuals bank nbu Business HF5001-6182
spellingShingle	deposit credit individuals bank nbu Business HF5001-6182 Hladkykh Dmytro M. Problems of Attracting Long-Term Deposits of Individuals in Ukraine and Directions for their Solution
description	The key problems that hinder the intensification of attracting long-term deposits of the population in Ukraine are identified: low demand of individuals for long-term deposits; a set of factors that prevent the intensification of long-term lending and reduce the demand of banks for long-term deposits of the population; imperfection of the current mechanism of the State-based regulation of banking activities. As part of the solution to these problems, a number of recommendations proposed were aimed at: increasing the level of financial inclusion; resumption of the possibility of early termination of bank term deposit agreements on the initiative of the depositor; abolition of personal income tax on income in the form of interest for deposits of the population for a period of more than 1 year; gradual increase in the guaranteed amount of reimbursement on deposits of individuals; increasing the level of public trust in banking institutions and the regulator; stimulating the population’s tendency to save by means of reducing inflation to the target indicator; reduction of the share of non-performing loans in the bank’s portfolio; gradual curtailment of the practice of providing banks with long-term refinancing in order to reorient the latter to attract long-term deposits of individuals; change of the conditions of the governmental program «Affordable loans 5–7–9 %»; increasing the availability of loans for the purchase of housing within the framework of the governmental program «Affordable mortgage 7 %»; development of additional mortgage crediting programs focused on the purchase of housing in the primary market; differentiation of obligatory reserve of attracted funds depending on the maturity; normative establishment of the share of long-term deposits of individuals in the total amount of bank deposits of the population; normative establishment of the share of assets of banks invested in government bonds (OVDPs).
format	article
author	Hladkykh Dmytro M.
author_facet	Hladkykh Dmytro M.
author_sort	Hladkykh Dmytro M.
title	Problems of Attracting Long-Term Deposits of Individuals in Ukraine and Directions for their Solution
title_short	Problems of Attracting Long-Term Deposits of Individuals in Ukraine and Directions for their Solution
title_full	Problems of Attracting Long-Term Deposits of Individuals in Ukraine and Directions for their Solution
title_fullStr	Problems of Attracting Long-Term Deposits of Individuals in Ukraine and Directions for their Solution
title_full_unstemmed	Problems of Attracting Long-Term Deposits of Individuals in Ukraine and Directions for their Solution
title_sort	problems of attracting long-term deposits of individuals in ukraine and directions for their solution
publisher	Research Centre of Industrial Problems of Development of NAS of Ukraine
publishDate	2021
url	https://doaj.org/article/b6ed78c4f1f040828b57d62fa78e8344
work_keys_str_mv	AT hladkykhdmytrom problemsofattractinglongtermdepositsofindividualsinukraineanddirectionsfortheirsolution
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Problems of Attracting Long-Term Deposits of Individuals in Ukraine and Directions for their Solution

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