Keyword: «deposit»

Banks form an important part of the money turnover. Active operations bring profit to banks and maintain their liquidity. Banks have significant influence and have huge monetary capital, which comes to them from the state, firms, companies and individuals. The attracted funds become the basis for conducting active operations.

The current conditions for the development of the banking sector make it a fundamental role for commercial banks in accumulating and attracting funds, as well as in their rational placement. This article is devoted to deposit policy making by modern commercial banks. It presents an analysis of the prospects for raising funds in deposits in the current economic conditions, as well as numerous related issues.

The article considers the concept of the household reserve Fund, its purpose and feasibility of formation, formed the requirements for the reserve fund, provides an overview of the situation in Russia as of March 2020, considers the most popular ways of forming the household reserve Fund and gives their detailed assessment, formed a comparative table and conclusions about the preferred options.