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Original research
ENGINEERING APPROACH TO FORMATION OF HIGH-QUALITY MANAGEMENT POLICY FOR FINANCIAL INSTITUTIONPages 291-298
Abstract:
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. And this is obvious, since it is the banking sphere of activity that is practically the only component of the financial market, which even in changing conditions in the economy maintains relative stability, since the banking system is one of the few macroeconomic determinants of the economy, which until now has functioned without significant crisis manifestations; and commercial banks, on the one hand, are a financial sector that quickly and flexibly responds to any changes in the financial market, and on the other hand, a unique financial and economic entity in terms of "getting money", as a rule, as a result of some banking operation through financial intermediation. The credit and banking system at the current stage of its development is affected by structural changes in the country's 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. But 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. In turn, the greater the amount of profit received by the bank, the more favorable this will be for the macroeconomic processes of the country.
Keywords: Management, deposit, policy, resources, financial institution, regulator, profit, macroeconomics, banking system, engineering.
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Elena Posnaya, 
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