Name
Gutova Ksenia Vitalyevna
Scholastic degree
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Academic rank
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Honorary rank
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Organization, job position
Kuban State Agrarian University
Web site url
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Articles count: 2
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
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