Mechanism of forming high quality deposit policy of commercial banks

Introduction. The banking system as the main link of the financial and credit system is the most important element of the reproductive structure of the economy: credit institutions organize the movement and redistribution of monetary and capital resources of the economy. The process of forming the structure of the economy in accordance with the requirements of the time largely depends on the efficient operation of the banking system. Goal. The study aims to develop measures to improve the formation of the deposit policy of banks by developing new tools. Materials and methods. Mathematical, comparative, coefficient, factor methods of analysis are used, which reveal the influence of different factors on forming an effective deposit policy of a bank. Results and discussion. The credit and banking system at the present stage of its development is affected by structural changes in national economy. An integral part of the ongoing changes is the complication of the institutional structure of the banking system, which implies the emergence of highly developed credit institutions as objective prerequisites mature. However, the development process will affect, in particular, credit institutions for small business entities and individual borrowers. In this situation, it is extremely important for banking institutions to develop new, modern approaches to the formation of deposit policy, since it is from the attracted funds that the resources are formed, which the bank directs to other operations in order to make a profit. Conclusion. An effectively formed deposit policy of a bank has a significant impact on the total amount of profit. In turn, the greater the amount of profit received by the bank, the more positively it will affect macroeconomic processes in national economy.