Ukraine currently needs additional investment resources in order to revitalize and develop the economy. The main objective of the study is to determine the regularities, peculiarities behind the formation of organized population’s savings and assess the factors influencing the development of this market in order to improve the quality of its management and use of the potential of domestic investment resources for economic recovery and growth in Ukraine. In order to compare the trends as for the accumulation of savings through deposit investment, the authors analyzed the impact of major factors on these processes in Ukraine and Czech Republic. The main results of the study encompass improved approaches to determining the impact of the system of factors on household deposits based on correlation-regression analysis. This makes it possible to optimize the choice of tools for effective management of deposit resources; further elaborate the approaches to assessing the level of domestic household deposits as well as allows substantiating the directions of implementation of the state policy in the context of ensuring the further development on the market of bank deposit services.

The stock exchange is the main element of the stock market, and it is also an indicator of the efficiency of capital movement and the rapid development of the economy. It is a virtual marketplace where buyers and sellers can trade existing securities. Stocks are also called stocks or equity, most companies have shares with a turnover of more than a billion dollars. Stock exchanges play a great role in the structure of the leading stock prices, exchange courses and indexes in the country's economy. The stock market acts as a powerful and effective platform for the realization of opportunities for the mobilization of financial resources and the birth of a number of new competitive investment instruments. The main role of the stock exchange is to serve the movement of money capital, which mediates the distribution and redistribution of national income both in the national economy as a whole and between social groups, sectors and spheres of the economy. А stock trading can be considered any market where bonds are bought and sold, the prices of which are determined by offer and purchase. The activity of the stock exchange largely determines the efficiency of the stock market and the degree of influence on economic processes in the country. It is the stock exchange that ensures the concentration of demand and supply of securities, their balance at the expense of stock exchange pricing, which truly reflects the level of efficiency of the functioning of equity capital. For each financial system, the determining factor is the degree of involvement of the banking sector and the stock market in the process of financing the investment activity of enterprises. The development of the stock market increases the degree of participation of companies in the process of raising additional funds for their investment programs by placing their securities on the market, and a developed stock market also plays a key role in financing the economy compared to the banking sector. Therefore, the purpose of this article is to evaluate the process of globalization of the stock market in the world environment and analyze current state.  Indicators of the stock market in the world were also considered and the main conditions of restraint to the prospects of its effective functioning were highlighted. The state and development prospects of well-known stock exchanges and further possible directions for improvement of the world stock market are analyzed.

The authors classify and investigate the losses caused by the military conflict in the east of Ukraine and the annexation of Crimea, as well as the approaches to their assessment. The authors studied the results of scientific research, current legislation, and information-analytical materials and came to the conclusion that there are no common standards (approaches) or detailed approaches to loss assessment for different entities (state, individual enterprises, and citizens), and the mechanism of compensation for losses is undeveloped as well. This can cause many problems both for experts in substantiating the volume of damages and for courts in considering relevant cases for losses. The authors considered the damage caused to Ukraine by the military conflict with Russia, which resulted in the annexation of the Crimean peninsula and the occupation of Luhansk and Donetsk regions, and interpreted this damage as assessed consequences of these events and classified them by place and time of manifestation on direct, indirect, complete and general, and by spheres of manifestation of consequences on medico-biological, military-political, socio-economic, external and internal political and ecological ones. To characterize each of these types of damage, the authors have identified certain components that can have quantitative and qualitative forms of expression. Taken into account that the qualitative assessment of the consequences of armed conflict is subjective to some extent and depends on the coverage of expert opinions, the authors focused on those components that can be quantified (in monetary terms). To assess them, in the article there were formed certain groups of indicators that have a quantitative form of expression. At the same time, first of all, the authors take into account indicators that make it possible to assess the direct damage from the armed conflict. The authors, based on the analysis and generalization of the values of these indicators in the dynamics, determine the estimated amount of direct damage caused to Ukraine during the conflict (2014-2019), and give a forecast of its growth if this conflict continues. Also, we propose the option of calculating the lost benefit from the impossibility of using a part of the country’s territory (currently uncontrolled) based on its potential.

The article is aimed at further development of theoretical and methodological approaches to risk reinsurance in order to provide financial sustainability of an insurance company. An approach to risk analysis in insurance and reinsurance is proposed. The introduction of the concepts of complete and partial uncertainty and their relationship with the concept of risk made it possible to closer define the concept of risk and formulate it in the form of a financial and economic category. The term «risk» is proposed to be understood as a subjective estimation of an objective uncertainty, which describes the multiplicity of changes in the equilibrium stability of a socioeconomic system and is expressed in the form of a function of a random event. A somewhat closer defined concept of insurance risk is also proposed, which means a significant risk in its consequences for citizens and business entities, which can be assessed from the standpoint of the probability of occurrence of an insured event, quantitative amounts of possible damage and has signs of frequency and limitation in space and time. It is noted that clarification of the criteria of insurance risk in the general classification system of risks of an insurance organization allows assessing the need for reinsurance depending on the types of risk distribution. Analysis of features and dynamics of insurance risk, computation of insurance tariffs allows to substantiating the need for reinsurance for each type of insurance risk. It is proposed, to develop a model for analyzing the insurer’s reinsurance activity on the basis of the theory of decision-making under conditions of complete and partial uncertainty, to use the criteria of game theory: Wald criterion, Swidge criterion, Hurwitz criterion. To analyze the real financial sustainability, it is proposed to introduce adjustments to the existing methodological approaches, adding the objects transferred to reinsurance and the risk ratios present in the insurer’s activities; it is further proposed to take into account the impact of forms and types of reinsurance contracts on the financial sustainability of the company. The proposed theoretical and methodological provisions and conclusions can be used when accepting risks on the responsibility of the insurer and their subsequent redistribution.

Today, in the management of organizations, the issue of resistance to changes in the environment and management of changes in the organization's activities remains relevant. The article aims to clarify and generalize theoretical provisions regarding the management of organizational changes in the context of increasing the effectiveness of the organization's activities. The theoretical and methodological basis of the work is a set of principles and methods of scientific research: the principle of systematization and theoretical generalization and methods of structural and functional analysis. According to the goal, the task of analyzing scientific approaches to forming a conceptual apparatus for managing organizational changes is set.  Based on the study, the concept of "organizational change management" was clarified, which is understood as the process of implementing relevant organizational and management transformations, which involves the use of new technologies, tools, and methods of the organization and the management system, in order to ensure the optimization of the organization's activities. The key approaches to ensuring organizational changes have been studied. The basis for the analysis was the scientific works of domestic and foreign scientists on the mentioned issues, statistical data on the state of activity of enterprises according to the directions of organizational changes in the dynamics for the period 2019–2020, statistical data on the results of the activities of construction industry organizations in the dynamics for the period 2010–2021 year. As a result of the study, positive dynamics regarding the initiation and implementation of organizational changes by industrial enterprises were recorded, the most active spheres (functional areas) of activity were verified, the relevance of the use of organizational change technologies, in particular in construction organizations, was proven, given the lack of mass implementation of organizational changes in their activities. A conceptual model of organizational change management has been built based on a systemic approach to ensuring organizational changes, considering the functional areas of the organization's activity. Application of the developed model can have a beneficial effect on increasing the efficiency of organizations.