НАПРЯМИ УДОСКОНАЛЕННЯ ДІЯЛЬНОСТІ ФОНДУ ГАРАНТУВАННЯ ВКЛАДІВ ФІЗИЧНИХ ОСІБ: ЕКОНОМІКО-ПРАВОВИЙ АСПЕКТ
| Autor: | A. S. Hayrapetyan, L. M. Demidova, S. V. Sarana, O. S. Kalian |
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| Rok vydání: | 2021 |
| Předmět: | |
| Zdroj: | Financial and credit activity problems of theory and practice. 4:4-11 |
| ISSN: | 2310-8770 2306-4994 |
| DOI: | 10.18371/fcaptp.v4i31.190976 |
| Popis: | The features of the activities of the Deposit Guarantee Fund within the system of guaranteeing deposits of individuals have been studied in the article. The powers of the Deposit Guarantee Fund have been analyzed. It has been determined that its executive directorate exercises powers in the sphere of providing the Fund’s activity, in respect of sources of the formation of the Fund’s assets, in the sphere of deposit repayment, in the sphere of regulatory activity, in the field of withdrawing insolvent banks from the market. It has been offered to divide the powers of the administrative council of the Deposit Guarantee Fund into functional, conciliatory and regulatory ones. The problems of forming the resource base of the Deposit Guarantee Fund have been clarified. It has been emphasized that the expansion of the sources for the formation of the Fund’s assets is directly related to the range of participants of the system of individuals’ deposits guaranteeing. In order to increase the funds of the Deposit Guarantee Fund, it has been offered to include non-bank financial institutions into the Fund’s participants. Some aspects of control over the activity of the Deposit Guarantee Fund have been studied. It has been emphasized that the Fund’s annual report needs to be improved. It has been offered to consolidate the form of the annual report of the Fund in the legislation and to define the following its sections: main indicators of the Fund’s activity in the reporting period, internal management of the Fund, legislation and regulatory activity, public information, analysis of the banking sector, regulatory activity of the Fund, financial management, withdrawal of insolvent banks from the market, protection of depositors’ interests, the Fund’s financial reports. The directions for improving the Fund’s activity have been formulated, namely revision of the Fund’s powers in terms of exercising control over troubled banks, expanding the range of subjects and objects of the deposit guaranteeing system, improving control over the Fund’s activities, introducing new mechanisms for repayment to depositors of insolvent banks, expanding the list of sources for the formation of the Fund’s assets. |
| Databáze: | OpenAIRE |
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