Deposit Policy of a Bank and its Main Directions of Reformation

The article defines the "deposit policy", "deposit" and "depositor" notions. It systemises internal and external factors that influence the bank's deposit policy. The conducted systematisation gave a possibility to confirm that the "deposit policy" notion should be considered at two levels: at the level of the state and at the level of the bank. The article identifies types of deposit policy with consideration of the degree of participation of the state, which include: the conservative policy or the policy of strong state regulation of deposit institutions; liberal policy; and mixed policy. It conducts classification of deposits in correspondence with classification features, namely by the: form of money turnover, objects, terms, subjects, sectors of economy, types of entrepreneurship, accumulation of interests and client location. It analyses dynamics of deposits attracted by deposit corporations and studies deposit of residents by sectors of economy. It establishes that the most active sectors of economy by volumes of accumulation of money funds on deposit accounts are households and non-financial corporations. It develops main directions of increase of efficiency of the bank's deposit policy.