ASSESSMENT OF THE PREREQUISITES FOR THE FORMATION OF DEPOSITS OF THE POPULATION IN BANKING INSTITUTIONS

Abstract

The article examines the prerequisites for the formation of deposit deposits of the population in banking institutions. The structure of deposit deposits of individuals for 2016-2020 is disclosed. It has been proven that the largest resource for forming an acceptable amount of financial investments is the resources of individuals, that is, household savings. Savings of individuals are formed at the expense of incomes and expenses received by households, as well as financial proposals for investments offered by the banking system or financial institutions. The size and dynamics of changes in the income of the population of Ukraine for 2016-2020 have been analyzed. It was established that the largest increase in aggregate resources - income of citizens during the researched period (2016-2020 years) occurred at the expense of such resources as wages. At the same time, if we compare the incomes of the population in foreign countries, the share of cash income from wages is consistently high and is on average 65-70% of all incomes. The structure of expenditures of the population of Ukraine for 2016-2020 per family was analyzed. It has been established that more than 50% of citizens' expenses are expenses for food products. Having analyzed the dynamics of incomes and expenses of Ukrainian households during 2016-2020, we note that those funds that remained unused can be directed to the formation of savings of the population with further investment.