The article "Economic Mechanism for Managing Strategic Development of Territorial Communities" focuses on the problems of forming a mechanism for managing strategic development of territorial communities. The purpose of the article is to determine the basics of the financial and economic mechanism regarding self-government and selffinancing of united territorial communities. The subject of research is the process of forming an economic mechanism for managing a territorial community, as a set of economic, legal levers and financial instruments, relationships and institutions that ensure the effective involvement of all resources (natural, human, transport, social structure, etc.) in the economic circulation in the system of a single economic complex of Ukraine.
This article reveals the value of systematic approaches to assessing the effectiveness of banks in the conditions of financial independence of the region. The purpose of the research. The purpose of the study is to identify the main approaches to assessing the effectiveness of the bank in the conditions of financial independence of the region. Methodology. The totality of research methods is a methodology for analyzing and organizing the main legislative acts and laws, namely the methods of generalization, comparison, chronology, analysis and generalization. Results. The results of the study provide recommendations for the implementation of modern approaches to the financial performance of banks, in particular the justification of the approach to assessing the risk-taking efficiency of a bank and the need for a systematic approach to analysis and evaluation. This article summarizes the theoretical approaches to the essence of assessing the financial performance of the bank and justify the methodological principles of improving this process in the conditions of financial independence of the region. The international experience in assessing the effectiveness of the bank and its applicability to assess the effectiveness of Ukrainian banks is considered. Practical meaning. The results of the study can be used in the practice of banking institutions to self-check and assess the financial condition of the bank, seeking ways to improve its position in the banking market. Prospects for further research. On the basis of the conducted research there is an objective need to find out the theoretical and methodological bases of banks’ activity for developing investment projects of the region’s development with the attraction of capital of banking institutions.
The article on "Attracting deposit flows as the main resource of investment in the economy during the Covid-19 pandemic" is devoted to finding methods and ways to stabilize the financial condition of the bank during the crisis, namely by attracting deposit flows, which is the main investment resource. The purpose of the study is to develop recommendations for the introduction of deposit flows as the main resource for investment in the economy during the pandemic Covid-19. The study of the formation of the bank's deposit policy revealed the main reasons for banks to attract funds from individuals, namely: a stable resource (the nature of deposits depends on the types of lending operations, and accordingly the amount of profit); commercial banks can attract sufficient resources of this kind; relatively cheap resource for banks compared to interbank loans and other financial instruments; private deposits are beneficial for banks (current deposits show less activity in the movement of funds than in the funds of enterprises). The principles of banking strategy are studied and the classification of intrabank principles and their distribution taking into account the economic situation into: general (principle of scientific substantiation; principle of system integrity; principle of integrated approach; principle of optimality and efficiency; principle of unity of elements) and specific (principle of ensuring optimal cost level; principle) security; the principle of reliability; the principle of unity of elements). The banking market is considered, the leaders in terms of profitability of a banking institution are identified. The state of deposit policy in some banks is analyzed and the problems of deposit policy of Ukrainian banks during the Covid-19 Pandemic are identified. The directions and ways of their decision are offered. Based on the study, ways to attract depositors to banks during the Covid-19 pandemic as the main investors, whose funds are a source of economic development.
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