Improving the system for ensuring the reliability of savings returns in the Russian banking sector

One of the most multifaceted and multidimensional socially significant categories in the development of the Russian savings system is its stability and reliability. In this regard, the study of ways to improve the system of guarantees of reliability of savings in the banking sector as one of the segments of the Russian savings system is an important tool in determining the directions of its further effective development. The paper assesses the main levels of implementation of the modern system of guarantees of the reliability of savings return in the banking sector, analyzes the world experience of building Deposit insurance systems, reveals the transformation of insurance compensation in the historical perspective and methods of deducting contributions to the Deposit insurance Fund. The directions of improving the efficiency of the Deposit insurance system are highlighted, namely: the use of strict measures to detect criminal mechanisms in Deposit insurance, strengthening control by bank supervisory authorities and banks’ creditors, improving financial literacy of the population, expanding the boundaries of the Deposit insurance system in the extension of state guarantees to entities and funds trust management. The author’s mechanism for implementing guarantees of reliability of savings returns in the subsystem of banking institution is proposed.