Scientific Journal of KubSAU

Polythematic online scientific journal
of Kuban State Agrarian University
ISSN 1990-4665
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Name

Gutova Ksenia Vitalyevna

Scholastic degree

Academic rank

Honorary rank

Organization, job position

Kuban State Agrarian University
   

Web site url

Email

ksenechka_1700@mail.ru


Articles count: 2

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244 kb

IMPACT OF INTEREST CENTRAL BANK POLICY ON DEPOSIT POLICY OF COMMERCIAL BANKS

abstract 1331709057 issue 133 pp. 745 – 759 30.11.2017 ru 476
The article is devoted to the evaluation of the influence of the interest rate policy of the central bank (CB) on the deposit policy of commercial banks. The author analyzes the dynamics of the Central Bank's key interest rate, weighted average interest rates to individuals funds obtained raised by credit organizations. Particular attention was paid to regression analysis to determine the dependence of rates on deposits of individuals from the Central Bank's key rate. The authors presented the forecasted values of interest rates on deposits of individuals, which clearly demonstrate the current situation of the deposit policy of commercial banks. A number of indicators that affect the change in interest rates on deposits of individuals are considered. In addition, the main positions on improving the deposit policy are presented. The conclusion is drawn that interest rates on deposits depend on a whole spectrum of both external and inner banking components. Each bank develops its own deposit policy, determining the terms, types of deposits and their interest, terms of conducting deposit operations, relying on the specifics of their activities and taking into account the factor of competition with other banks and the inflationary processes that occur in the economy
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IMPROVEMENT OF INVESTMENT ATTRACTIVENESS OF AGRICULTURAL ORGANIZATION AS A METHOD OF STABILIZING ITS FINANCIAL CONDITION

abstract 1341710045 issue 134 pp. 551 – 569 29.12.2017 ru 173
Currently, during the period of international sanctions against Russia, most of the domestic organizations found themselves in a rather difficult economic situation, having lost investment from outside. This is due not only to the general situation that has developed in our country, but also to the poor financial situation of many domestic organizations. The lack of compliance of financial indicators with normative, high level of accounts payable and unprofessionalism of employees only exacerbates this situation. The article analyzes the theoretical and conceptual provisions for forecasting the investment attractiveness of organizations. In the course of the research, the concept of "investment attractiveness" was clarified and supplemented. The article has a research character, which is expressed in the fact that it examines foreign and domestic methods of forecasting investment attractiveness by the example of «Fanagoria-Agro», which is stably positioned in the market and attractive to investors. It was revealed that in order to increase the investment attractiveness of the research organization, according to the methods developed by the author, the amount of assets should be reduced by reducing the receivables. A set of measures to increase the investment attractiveness of «Fanagoria-Agro» was developed and the economic feasibility of its implementation was justified
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