In the article the main approaches to the estimation of the level of financial security of the companies (on the basis of the component of economic security, indicated, financially-oriented, resource-functional, minimizing-criterial, integral, on the basis of determining the probability of bankruptcy) are analyzed, summarized and detailed of the specifics of its level calculations according to the data of financial coefficients. The main indicators of the financial condition of the enterprises, for which normative values are established in accordance with official domestic methods are given. The leading methods of systems of financial security analysis of the enterprise are investigated, the advantages and disadvantages of their practical application for domestic enterprises are mentioned. The experience of the integrated estimation of the financial state according to the financial coefficients is described, on the basis of which the method of calculating the volatility of prices as a measure of the degree of financial risk is proposed. The suggestions of applied value for the use of general scientific methods of cognition are given. it is established that the analyzed methods and methods of protection will enable the management of the enterprise to choose the most suitable for them and economically justified in a particular situation model.
In accordance with the basic statements of management science, which help to a based conceptual approach to the formation of innovative entrepreneurship`s creative potential, its elements are the purpose and objectives, objects and subjects, principles, functions and subsystems, consideration of which the most significant managerial influences and stages of the process of forming the creative potential of enterprises. The theoretical and methodological basis of scientific research were scientific concepts and theoretical developments on methods of forming and evaluating the creative potential of innovative enterprises; information and analytical materials. During the writing of the article, the methods of theoretical generalization, comparative analysis and synthesis were used. The purpose of the article is to develop a conceptual approach to the formation of the creative potential of an innovative enterprise and substantiation of the method of evaluating its creative component. To achieve this goal, the following tasks are solved in the article. The essence and components of the formation of the creative potential of the innovative enterprise are defined. The factors influencing the formation of the creative potential of an innovative enterprise (socio-economic, demographic and socio-mental) are identified. The relationship between the creative, intellectual and competence components of the creative potential of an innovative enterprise is established. An algorithm for calculating the relative coefficient of the creative potential of the employee is proposed. It is reasonable that the direct parameter of the creative component is an integral indicator of the biological (natural) and socio-economic activity of man. The principles of formation of the creative potential of the innovative enterprise (system, complexity, flexibility, efficiency, consistency, protection of innovative business from threats and dangers of external, internal and design environment) are developed. Subsystems for ensuring the formation of the creative potential of an innovative enterprise (organizational, methodological, personnel, information, and software) are considered.
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 article on "Attracting deposit flows as the main resource of investment in the economy during the Covid-19 pandemic" is devoted to finding methods and ways to stabilize the financial condition of the bank during the crisis, namely by attracting deposit flows, which is the main investment resource. The purpose of the study is to develop recommendations for the introduction of deposit flows as the main resource for investment in the economy during the pandemic Covid-19. The study of the formation of the bank's deposit policy revealed the main reasons for banks to attract funds from individuals, namely: a stable resource (the nature of deposits depends on the types of lending operations, and accordingly the amount of profit); commercial banks can attract sufficient resources of this kind; relatively cheap resource for banks compared to interbank loans and other financial instruments; private deposits are beneficial for banks (current deposits show less activity in the movement of funds than in the funds of enterprises). The principles of banking strategy are studied and the classification of intrabank principles and their distribution taking into account the economic situation into: general (principle of scientific substantiation; principle of system integrity; principle of integrated approach; principle of optimality and efficiency; principle of unity of elements) and specific (principle of ensuring optimal cost level; principle) security; the principle of reliability; the principle of unity of elements). The banking market is considered, the leaders in terms of profitability of a banking institution are identified. The state of deposit policy in some banks is analyzed and the problems of deposit policy of Ukrainian banks during the Covid-19 Pandemic are identified. The directions and ways of their decision are offered. Based on the study, ways to attract depositors to banks during the Covid-19 pandemic as the main investors, whose funds are a source of economic development.
Peculiarities of learning with the use of information and communication technologies, directions of application of information and communication technologies in the educational process, purpose of modern technologies, main advantages of ICT implementation are analyzed, researches of modern domestic and foreign scientists on this issue are analyzed. with other teaching aids, conclusions are drawn.
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