HOUSEHOLD SAVINGS AS A SOURCE OF INVESTMENT RESOURCES IN UKRAINE

The approaches of scientists in definition of the household savings, the motives of their creation and the role they perform are identified; the role of household savings in the economy is described; the importance of household saving transformation from unorganized to organized forms is analyzed; the size of saving in financial and nonfinancial forms, its dynamics and structure are characterized; comparison between household savings and main macroeconomic indicators is conducted; ways of investment of households savings are discussed; the dynamics of deposits in banks and credit unions, the participation of households in collective investment schemes (private and corporate investment funds) is characterized; the dynamics of household deposits in national and foreign currencies is shown; the dynamics of nominal value of investment fund’s securities, that have been placed among resident individuals are characterized; the dynamics of deposit accounts and the number of credit unions members are described; the comparative characteristics of different ways to invest money is given; the reasons of unorganized savings existence are marked; barriers to convert savings into investments and the ways of overcoming them are identified.