CAPITALIZATION OF UKRAINIAN HOUSEHOLDS SAVINGS AS A FACTOR OF MODERNIZATION OF THE NATIONAL ECONOMY

Author:

Minina Oksana, Chernihiv National University of Technology (95 Shevchenka Str., Chernihiv, Ukraine).

Shadura-Nykyporets Natalіia, Chernihiv National University of Technology (95 Shevchenka Str., Chernihiv, Ukraine).

Language: ukrainian

Annotation:

The article is devoted to the research of one of the most powerful sources of investment resources for the modernization of the national economy – savings of households. The dynamics and trends of household savings in the last ten years have been analyzed, the main problems of formation of savings and their transformation into investment resources of development have been revealed. The features and tendencies in investment processes are characterized, the potential level of capitalization of savings and its dynamics for the period from 2005 to 2015 are determined. The directions of investment of population savings and ways of solving problems that have developed in this area are proposed, as well as the task to be solved on the state levels, in particular, increase in incomes of the population with simultaneous decrease of their differentiation, curbing inflation against the background of active employment policy, stock market development, market control of the bank services, increase public confidence in the financial system and the state as a whole.

Key words:

saving; investments; capitalization; modernization; financial operations; financial market; stock market; deposit; saving rate

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