Особливості ощадної та депозитної поведінки населення України у кризовий період

Abstract

The main reasons and motivations which cause the withdrawal of Ukrainian popu lation’s money from deposit accounts at bank institutions are examined in the article. The author describes characteristics of savings behavior of Ukrainian citizens during the period of financial crisis. According to data of the “Tsentr” analytical group opinion poll (2009), the structure of population’s savings preferences has not gone through noticeable changes. Obtaining a positive savings experience as bank institu tions clients, people keep on considering such form of money savings as the best one. Even the fact that accounts of many Ukrainian depositors have been frozen at some credit and savings banks found on verge of bankruptcy did not ward them off. In such a case, people are disappointed rather in a concrete bank agency than in a hole banking system. The impacts which can attract the population’s deposit money to problematical banks after their “sanation” are also studied in the article. The author carries out an operational classification of motivational structure of population’s deposit activity. In particular, the deposit savings of population can serve not only as the mean of resolving both current and future financial problems, but as a kind of stabilizing factor regarding social and psychological state of a concrete person.