MANAGEMENT OF THE RESOURCE BASE OF FINANCIAL AND CREDIT INSTITUTIONS

Abstract

This article clarifies certain theoretical aspects of resource base management for financial institutions and analyzes the dynamics of deposits as a significant source of financial resources for commercial banks. High requirements for the volume and quality of the resource base confirm its relevance and importance for ensuring the effective functioning of commercial banks. A sufficient resource base is the basis for implementing extensive active operations that facilitate profit generation through interest income. In the current financial market environment, one of the most important sources of resource base formation is household funds, which are drawn into the financial institutions' system primarily through deposit policies. When implementing a mechanism for attracting household funds to form the resource base, the bank's management system must create incentives that ensure increased deposit activity among potential depositors. The key methods for increasing deposits from the public include a flexible interest rate policy, correlated with current and future key rates, and a combination of deposit terms to create the most optimal, personalized option for each client. The authors identified the characteristics of a high-quality resource base management mechanism for a financial institution, clarified the factors involved in resource base formation, taking into account their structuring into internal and external categories, presented a methodological model for resource base formation and a list of deposit policy implementation stages, examined a mechanism for attracting public funds to form a commercial bank's resource base, and analyzed the dynamics of retail deposits in the Russian financial system and their role in shaping the resource base of financial institutions.