Determining the adequacy of banks deposit resources to ensure the development of industry 4.0 technologies

Abstract

The article is devoted to identifying the impact of macroeconomic factors, in particular, the volume of loans to individuals, average monthly wages, sales of industrial products (goods, services) on the volume of deposits of individuals to determine the potential development of Industry 4.0 in the regional context. The correlation model is constructed and the forecast of the future indicators in the conditions of changes in volumes of the chosen factors is carried out. According to the results of the study, there is a close relationship between the volume of attracted deposits of individuals and the volume of loans granted to individuals, as well as between the average monthly values of wages. It has been established that with the increase in employees wages in Ukraine, the demand for deposit services of banks will increase and, accordingly, the volume of investments, which will contribute to the formation of a sustainable investment potential of the entire banking system. This model shows a low probability of using the funds raised to finance the development of Industry 4.0 industry, which while maintaining such trends is a negative factor for technical re-equipment and development of modern technologies. The projected values suggest that if one of the factors decreases, in most cases, the amount of borrowed funds from banks will also have a negative trend, so banks should monitor the economic situation in the country and create better conditions for their customers. It is established that in some regions of potential development of Industry 4.0 the highest volumes of deposits are noted, and in others low, it needs additional research. The fact that the volume of deposits does not correlate with the volume of sales of industrial products does not create preconditions for possible financial support for the development of Industry 4.0 technologies through the deposit base of banks. Further research within the new Economic Front in the military and post-war economy will be aimed at analytical search for sources and mechanisms to ensure the process of intensifying the development of technology 4.0.