Evaluation of the utility of depositors deposit operations

Authors

  • Oleksandr Papaika M. Tugan-Baranovsky Donetsk National Economics and Trade University, Ukraine
  • Hanna Panasenko Makiivka Economic and Humanitarian Institute, Ukraine

DOI:

https://doi.org/10.21847/1728-9343.2013.3(123).15166

Keywords:

deposit, bank, utility investor, bankruptcy, interest

Abstract

The article is devoted to the study of issues related to the assessment of the usefulness of the depositors of deposit operations. Considered the evolution of the origin and development of the concept of "utility". Educed the problems of evaluating the effectiveness of depositors of banking institutions. Briefly described the nature and content of the category of the "efficiency of the capital market". It is set forth the definition of "utility investors," highlights three possible outcomes that may result from placing contributor of free cash in the bank. Models have been developed for evaluating the usefulness of investors as a result of return of the deposit in full, with interest, the partial return of the deposit and the non-return of the deposit as a result of a bank failure. Designated depositor losses as a result of the bankruptcy of the banking institution in which was placed a deposit. Special attention is paid to the situation with the return of deposits from the Deposit Guarantee Fund of individuals, namely, recoverable when the sum of the contribution does not exceed the amount provided by law and in the event that a deposit of more than the marginal rate. Mathematically formalized the result of investing the investor funds to bank deposit. Determine the cause of action under which investors place deposits in a particular bank.

Author Biographies

Oleksandr Papaika, M. Tugan-Baranovsky Donetsk National Economics and Trade University

Doctor of Economics, Head of the Banking Department

Hanna Panasenko, Makiivka Economic and Humanitarian Institute

Candidate of Economic Sciences, Associate Professor of Finance Department

References

Samuelson Paul A. Economics / Paul A. Samuelson, William D. Nordhaus. - Boston : McGraw-Hill Irwin, 2010. - 715 р.

McConnell Campbell R. Economics: principles, problems and policies / Campbell R. McConnell. - New York ; London : McGraw-Hill, 1981. - 911 р.

Fischer Stanley. Economics / Stanley Fischer, Rudiger Dornbusch. - New York ; London : McGraw-Hill, 1983. - 955 р.

Карлов А. М. Высшая математика для экономистов / А. М. Карлов, Е. Н. Кикоть. - Калининград : БИЭФ, 2012. - 212 с.

Депозитная жара? Штормовое предупреждение [Електронний ресурс]. - Режим доступу : http://www.potencial.org.ua /ru/view/news/depozitna-speka-shtormove-poperedgennya.html.

Кравченко І. Банківська система та проблеми стратегічного розвитку / І. Кравченко, Г. Багратян, Є. Мазіна // Вісник НБУ. - 2011. - № 1. - С. 7-11.

Коваленко В. В. Оцінювання впливу монетарної і регулятивної політики центрального банку на банківський капітал / В. В. Коваленко, Б. А. Дадашев // Акутальні проблеми еконоімки. - 2012. - № 9 (135). - С. 186-194.

Грищенко А. І. Концепція економічного капіталу банку: практичні аспекти застосування / А. І. Грищенко // Актуальні проблеми економіки. - 2012. - № 8 (134). - С. 258-263.

Samuelson Paul A., Nordhaus William D. (2010), Economics, McGraw-Hill Irwin, Boston, pp. 237-243.

McConnell Campbell R. (1981), Economics: principles, problems and policies, McGraw-Hill, New York ; London, pp. 653-662.

Fischer Stanley, Dornbusch Rudiger (1983), Economics, McGraw-Hill, New York ; London, pp. 219-225.

Karlov A. M., Kikot E. N. (2012), Higher Mathematics for Economists, Kaliningrad, pp. 34.

Deposit heat? Storm warning, available at: http://www.potencial.org.ua/ru/view/news/depozitna-speka-shtormove-poperedgennya.html.

Kravchenko I., Bahratian H., Mazina Ye. (2011), Banking system and the problems of strategic development, Visnyk NBU, 1, pp. 7-11.

Kovalenko V. V., Dadashev B. A. (2012), Assessing the impact of monetary and regulatory policy of the central bank on bank capital, Akutalni problemy ekonoimky, 9 (135), pp. 186-194.

Hryshchenko A. I. (2012), The concept of economic capital of the bank: practical aspects, Aktualni problemy ekonomiky, 8 (134), pp. 258-263.

Downloads

Published

2013-07-10

How to Cite

Papaika, O., & Panasenko, H. (2013). Evaluation of the utility of depositors deposit operations. Skhid, (3(123), 54–58. https://doi.org/10.21847/1728-9343.2013.3(123).15166

Issue

No. 3(123) (2013)

Section

Economy

License

Copyright (c) 2013 Oleksandr Papaika, Hanna Panasenko

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

1. Authors bear responsibility for the accuracy of facts, quotations, numbers and names used.

2. Manuscripts are not sent back.

3. The publisher does not always agree with the authors' opinion.

4. The authors reserve the right to authorship of the work and pass the first publication right of this work to the journal under the terms of a Creative Commons Attribution Non-Commercial License, which allows others to freely distribute the published research with the obligatory reference to the authors of the original work and the first publication of the work in this journal.

5. The authors have the right to conclude separate supplement agreements that relate to non-exclusive work distribution in the form in which it has been published by the journal (for example, to upload the work to the online storage of the journal or publish it as part of a monograph), provided that the reference to the first publication of the work in this journal is included.