2015: Journal no. 4

ANALYSIS OF DEPOSITS IN THE BANKING SYSTEM OF THE REPUBLIC OF MOLDOVA

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Authors:  
Nicolae TAU, PhD, Professor,Free International University of Moldova
Diana CERNABILSCHI, PhD Student, Associate Professor,Free International University of Moldova

In this paper is made the analysis of bank deposits from the last two years of the banking system of theRepublic of Moldova. There are identified banks that hold the largest market share of bank deposits. Also, thetypes of deposits of banks that hold substantial proportion in deposits of the banking system of natural personsare analyzed, the information in respect of deposits guaranteed by the deposit guarantee Fund of naturalpersons from the banking system of the Republic of Moldova is presented. The goal of research is representedby the analysis of deposits from the banking system of the Republic of Moldova and identifying the best typedeposit for clients. The methodology of research. In order to obtain the expected results, the author applied themethods and techniques recognized and applied in the economic investigations so as: the comparative method,statistical method and method of logical analysis. The research results allow formulating conclusions andrecommendations which aim is oriented to create attractive banking deposits products.

Keywords:  
banking system, deposits, savers, guarantee fund, demand deposits, interest rate, guarantee ceiling.