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Bank Deposits from the Position of Attractiveness for Investments by Individuals

In: Overcoming Uncertainty of Institutional Environment as a Tool of Global Crisis Management

Author

Listed:
  • Sergey V. Rykov

    (Voronezh Institute of Law and Economics (VILEC), Stary Oskol Branch)

Abstract

Recently, the banks have been performing manipulations with increase or decrease of deposit interest rates, thus trying to maneuver risks in the sphere of the monetary policy. Deposit products of financial and credit organizations are rather popular among the population—especially among those who want to preserve and increase their savings. Still, due to interest rates’ decrease, individuals are faced with a difficult task to select a bank that offers the best terms for deposits. Each bank offers its own special terms for deposits; some offer new types of deposits with special bonuses for such operation. In case of excess of liabilities, banks try to avoid risks or bring them down to the minimum by reducing deposit interest rates—for demand for credits from potential borrowers decreases. The article views and studies financial and credit organizations and their deposit offers, with terms of opening and closing accounts that they offer for individuals. Attractiveness of deposits from the position of investing assets by potential customers is evaluated according to the criteria of interest rates, terms, minimal deposits, insurance, bonus systems, etc.

Suggested Citation

  • Sergey V. Rykov, 2017. "Bank Deposits from the Position of Attractiveness for Investments by Individuals," Contributions to Economics, in: Elena G. Popkova (ed.), Overcoming Uncertainty of Institutional Environment as a Tool of Global Crisis Management, pages 387-394, Springer.
    • Handle: RePEc:spr:conchp:978-3-319-60696-5_49
    DOI: 10.1007/978-3-319-60696-5_49
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    More about this item

    Keywords

    G20; G21; E40;
    All these keywords.

    JEL classification:

    • G20 - Financial Economics - - Financial Institutions and Services - - - General
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • E40 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - General

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