THE SYSTEM OF GUARANTEEING DEPOSITS AS AN INDICATOR OF THE STABILITY OF THE BANKING SYSTEM OF UKRAINE

The economy of any country depends primarily on the stability of the banking system and it caused. A significant segment of these activities are passive banking operations, mediated by the contract of Bank Deposit (Deposit). Of the two possible ways to ensure the return of deposits of physical persons — Deposit insurance and government guarantee of deposits, Ukraine is a priority recognized by the institution of the state guaranteeing Bank deposits. In article the essence of the system of guaranteeing deposits from the point of view of Ukrainian and foreign legislation, the retrospective creation of the Fund of guaranteeing deposits of individuals in the prism of normative-legal acts of Ukraine and their implementation standards Prodirect carried out a comparative description of the legislation in the EU and Ukraine, based on neophodnost approximation of national banking legislation to the European Union. Analyzed the basic functions and performance of the Deposit guarantee Fund of individuals, the factors influencing the attraction of funds of individuals on Deposit, including the confidence of depositors in the banking system and the Bank Deposit returns (interest income) and the amount guaranteed vdradmin from the Fund. The influence of the NBU discount rate to the Deposit rate, given the dynamics of individuals ‘ deposits in the participating banks of the Deposit guarantee Fund, which is steadily growing. Examines the causes and condition of repayment of debt obligations of the Fund received credits from the state and indicated the need for debt restructuring. Analyzed scenarios proposed by the world Bank to overcome the crisis phenomena of the Fund and determined that in today's reality, greatly increase pressure on the existing banks risky the directions of improvement of activity of Fund of guaranteeing deposits of individuals in Ukraine and defined the prospects of further development of the system of guaranteeing the deposits in the direction of adaptation of European norms, which will increase the resilience and to contribute to the greater contribution to the preservation of financial stability of the banking system of Ukraine.