The growth of population’s savings, their socio-economic structure, and the efficiency of the use of these resources in a modern market economy - all this is of fundamental importance for the formation of the most important proportions of expanded reproduction. Moreover, savings significantly determining the direction of the investment process, the scale and structure of demand and supply, and affects the cyclical nature economic development, including the emergence of crises. With the development of the financial market, securities began to play a crucial role in the mechanism of formation and use of savings. The stock market is an important element of the mechanism for turning people’s savings into investments. The stock market functioning affects the preservation and enhancement of savings, the growth of the welfare of the population and the strengthening of socio-economic stability in society. In modern economic theory, the category of savings occupies one of the leading places. The economic interests of all classes of society, social strata intersect in solving a variety of socio-economic issues related to the functioning of the category of savings. In the system of economic relations, consumption, savings and investments are both the result and condition of the reproduction process.
The article considers the problems of the digitalization and use of financial resources. There is an investigation on the factors of impact on the efficiency of developing, the sources and directions of entrepreneurs’ financial resources allocation has been carried out in the article. For effective financial activity of the enterprise ways to improve the development and use of financial resources were suggested. The relevance of the topic is that the current situation of the companies will help to effectively analyze problem, build up the efficiency and effectiveness of its financial resources, activate the financial position of the financial institution. The financial resources of the enterprise are all part of the financial instruments for the formulation of non-qualified assets in all types, as well as the accounting of assets, capital and equity. The financial resources are designed to secure the financial budget, banks, insurance organizations, suppliers and goods; the cost of implementation of the expansion, reconstruction and modernization of production, the acquisition of new basic facilities.
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