Article on the topic "Bank deposit as a direction of investment activity's activation of insurers in life insurance" is dedicated to the analysis of the financial condition and the free funds of insurance companies. Bank deposit is the most famous financial instrument, but little attention is paid to it from the study of the deposit as an object of investment. Therefore, the purpose of the study is to consider a bank deposit as a source of intensification of the investment activity of insurance companies. The article collected and processed information about banks, their condition in the financial market, which allowed to identify the main participants of the banking sector. The rating analysis showed high scores, which are confirmed by indicators of the size of assets, capital, loan portfolio, financial results of banking institutions as the leaders of the banking system. In terms of the proposed criteria for a banking institution, as an investment partner in order to reduce the risk of non-profitability of the project, the most reliable banks with a stable financial and economic status were selected in the market of banking services. Banking institution plays a role of an object that deposits funds of insurance companies for a long-term period. In addition to this, bank deposit was considered as an object of investing funds for insurers for long-term accumulation of funds. The analysis of deposit proposals, financial and economic state of banking services in banks was conducted. The deficiencies of the banking system of Ukraine in the field of long-term accumulation of funds are revealed, as well as, the imperfections in accumulation of funds are described. Investment project is proposed, planning for the investment income with regards to the storage of temporarily free assets of insurance companies is conducted. In the process of research, the authors have improved approaches to develop and define investment projects: the definition of "reliable bank", analysis of its deposit offers, forecasting of investment return on deposit commitment. To activate the investment activity of insurance companies, life insurance for an investment proposal is designed according to the direction of placement of insurance reserves in bank deposit. Thus, the analysis showed that the planned indicators considerably exceed the actual figures of companies' investment income.
The cluster model of business organization has several advantages. In the presence of a cluster, marketing structures, which are created for the purpose of marketing support for the activities of enterprises taking into account the infrastructure of the vegetable market, are formed. This approach allows small-scale agricultural enterprises to avoid the growth of conditionally fixed costs and to increase performance of activity. At the same time, it's important to understand that clustering enables producers of vegetable products not only to jointly promote their products, but also to form an effective marketing support system for the activities of each enterprise. In this article authors have formed the essence of cluster analysis on the basis of the research of domestic and foreign scientists. The methodology of cluster analysis is generalized for vegetable enterprises. The use of methods of cluster analysis is proposed for the study of the regional vegetable market and consumer groups of vegetable products. Analytical and graphical possibilities of application of the software package STATISTICA are shown for multivariate grouping of consumers of vegetable products. A dendrogram of consumer preferences of vegetable products in a supermarket has been constructed. The authors used hierarchical clustering of consumers of vegetable products on the basis of Ward’s method, as an agglomeration plan. It is proved that the proposed methods should be used in the further practical activity of marketing services at the enterprises of the vegetable industry and their integration formations. The article justifies expediency the inclusion of psychographic and behavioral features in the segmentation of the market of vegetable products with cluster analysis, which will enable the marketing service to take into account the needs and demands of consumers in detail, establish the degree of their loyalty that is, the relation to vegetable production, its packaging and qualitative characteristics. The control of this technique is important not only for the marketer who carries out marketing researches, but also for employees of the marketing department of a small vegetable company.
Osnovnyie napravleniya povyisheniya effektivnosti sotsialnyih investitsiy [Main direction increase of the effectiveness up social investment]. Russian Academy of Public Administration under the President of the Russian Federation, Moscow, 25. 9. Shihverdiev, A. P., Seryakov, A. V. (2008). Kachestvennyiy indeks sotsialnyih investitsiy kak pokazatel effektivnosti korporativnoy sotsialnoy otvetstvennosti [Qualitative social investment index as an indicator of the effectiveness of corporate social responsibility]. Corporate Governance and innovative development of the economy of the North: Bulletin of the Research Center of Corporate Law,