ISSUES OF FORMATION OF A STABLE DEPOSIT BASE OF BANKS

Abstract

This article discusses important aspects of the use of monetary savings of the population for the formation of a stable resource base of domestic banks. The study examines and analyzes the modern structure of bank deposits, emphasizes the decline in the quality of the deposit portfolio of Russian credit institutions, justifies the need to develop long-term deposit relations between banks and savers (depositors). The article presents the author's position on the formation of a stable deposit base of banks based on strengthening the customer-oriented approach in depositing, increasing the degree of trust in domestic banking structures and changing the status of depositors. Measures are proposed to improve deposit management in ensuring the activities of Russian banks with long-term financial resources to meet the growing needs of the domestic economy in long-term banking investments.