The current stagnation in the development of the Russian stock market determines the need to master new investment instruments or to improve the activities of existing ones. The development of global stock markets clearly emphasizes the “immaturity” of the Russian stock market. Present situation indicates the need for the introduction and development of new investment instruments. This fact encouraged the development of ETFs in Russia. Russian ETFs have a relatively short story, but this does not prevent them from expanding the scope of activities, gaining momentum and demonstrating a high degree of profitability, which is a significant competitive advantage over other unit investment funds. The study offers the overlook of exchange-traded investment funds’ activities as a hybrid with foreign ETFs and an alternative to Russian domestic unit investment funds, which reach a high level of profitability in modern conditions.
The subject of this research is the study of resources attracted by banks as the main source of funding for developing fundraising. The author has developed a methodological approach to the study of the theoretical and practical foundations of attracted resources as part of the bank's resource base. Special attention is paid to conventional sources of funding that influence the structure of bank deposits, debt instruments and interbank loans.Bank resource base formed by household deposits what certainly emphasizes the significance of the source in terms of socio-economic aspects. The amounts and terms of savings directly demonstrate the quality of life in the country and the level of confidence in the banking system.Mobilizing temporarily free funds is one of the main functions of commercial banks. A special feature of the bank is operating primarily on the basis of attracted resources. Free funds accumulated by banks form the basis for active transactions; therefore, their volume and nature depend on the structure of attracted resources. Hence, an effective policy of attracting resources is the most important condition for its successful functioning.The instability of the country's economy, the volatility of the national currency, the tensions between countries, the weakening of the banking sector, coupled with high competition, undoubtedly have an impact on banking.Objective: to study the conceptual and practical aspects of a commercial bank's funding policy.The methodological foundations for this study are general, statistical and special research methods. The use of these methods allowed us to understand the issues being analyzed in more depth, to identify the specific structure of the bank's attracted resources as a basic source of funding.Main results: 1. The role of funding in the bank's activities has been determined. 2. The structure of banking resources and its main components have been considered. 3. Different conceptual approaches to the classification of attracted resources have been studied. 4. The relationship between the individual elements of the attracted resource base of the bank has been studied. 5. The modern preconditions for changes in the field of bank funding at the present stage have been identified.Key findings of the study: 1. The theoretical issues of the formation of bank resources have been considered. The resource base is the subject of debate among researchers.
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