Актуальность развития правового механизма защиты депозитов частных лиц в современной банковской системе
The article is devoted to the relevance of the development of legal mechanism for the protection of private deposits in the banking system, dictated by the need to strengthen measures to support confidence of depositors in the banking sector of the economy. The current unfavorable reality requires to apply a wide range of improvements to maintain the financial stability of the economy as a whole. The key role here is played by the development of Deposit insurance system, including increasing insurance coverage, strengthening financing mechanisms. The existence of a developed system for the protection of people's savings is increasingly recognised worldwide as an essential element of an effective system of ensuring financial security and stability of the state. The state to provide reliable protection of deposits and accounts of private (natural) persons is a necessary condition to maintain citizens' trust in banks, which posted them money, since deposits are the most important factor in increasing the stability of the Russian banking system. The development of the Deposit insurance system is of particular relevance in the current unstable economic situation. The joint efforts of all stakeholders were needed to mitigate the negative trends in the macroeconomic conditions and the timely enforcement of regulatory base in accordance with the requirements of the market economy and subject to the laws of the free market will contribute to the strengthening and effectiveness of the entire financial system.