Scientific journal
Научное обозрение. Экономические науки
ISSN 2500-3410
ПИ №ФС77-57503

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IRREVOCABLE DEPOSITS AS INSTRUMENT OF ENSURING STABILITY OF RESOURCE BASE OF COMMERCIAL BANKS

Mitrokhin V.V. 1 Gribanov A.V. 1
1 Ogarev Mordovia State University
National banking system is weak and unpredicted in our days. In this condition forming of resource base is the main aim for all banks. One of the tool to support resource base is irrevocable deposit. Implementation of this financial instrument will allow to provide stability of resource base of commercial banks, to increase their investment potential, and also to reduce the risks of mass withdrawals by investors. In our article we reveal the value of institute of irrevocable deposits in formation of bank resources, possibilities of its implementation in practice of the Russian banks; we analyse possible consequences from realization of this tool.