SYSTEM OF GUARANTEEING OF DEPOSITS OF PHYSICAL PERSONS AS A FACTOR OF ECONOMIC SAFETY OF BANKING ACTIVITY IN UKRAINE
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Abstract
The article describes the features of the modern insurance system of depositors of banking institutions, analyzes its impact on the economic security of the banking system of Ukraine and proposes prospects for its improvement. The main indicators of the Fund’s activity for guaranteeing deposits of individuals for several periods have been investigated. The basic legal documents on the basis of which the structure policy is being implemented at the present stage, as well as the priorities it had in previous periods, the chronology of the sum of the insurance indemnity at each of the stages of development the banking system as a whole. The main problems are highlighted and directions of increasing the eff ectiveness of the formation and regulation of the FGVFO system are substantiated. The necessity of simplifi cation of the procedure of reimbursement was substantiated, attention was focused on the possibility of differentiated participation and the differentiation of participants in the degree of risk.