Improving the documentation framework for the development and implementation of the deposit policy of commercial banks

objective: improving the organizational aspects of the development and implementation of a deposit policy is a necessary and very important process in the overall activities of a banking organization in the formation of liabilities and further work on their effective management. They allow documenting a single, point-based structure for the development and implementation of an effective deposit policy of a credit institution in the market of banking products and services. One of the important issues is the process of streamlining the implementation of the deposit policy, in particular, the provision of deposit services to all categories of depositor clients. This becomes most relevant in a period of change, the identification of new economic challenges and threats, when it is necessary to apply flexible methods of managing bank assets and liabilities in order to achieve a positive economic result and extract other dividends. The effective development of the deposit policy of commercial banks cannot be ensured without the fundamental foundations of the development and implementation of processes for attracting free monetary resources, without carefully developed and economically sound organizational aspects that determine the rules, procedures, as well as the most important regulatory procedures between the subject of economic relations and depositors. Methods: system analysis method, comparison method, analysis and synthesis, modeling method, etc. Results: Detailed development of documents to ensure the implementation of the deposit policy is aimed at achieving an orderly, flexible work on the provision of services. The results obtained will allow a commercial banking organization to more effectively approach the process of developing and implementing a deposit policy.

deposit, deposit policy, deposit, commercial bank, liability management, financial management