JEL Classification: G 22 DOI: https://doi.org/10.31521/modecon.V26(2021)-28 Shyshpanova Nataliia, PhD (Economics), Associate Professor of the Department of Finance, Banking and Insurance, Mykolayiv National Agrarian University, Mykolayiv, Ukraine ORCID ID: 0000-0001-8347-5682 e-mail: Shishpanova@mnau.edu.ua Bodnar Olena, PhD (Economics), Аssistant Professor of the Department of Finance, Banking and Insurance, Mykolayiv National Agrarian University, Mykolayiv, Ukraine ORCID ID: 0000-0002-0152-4290 e-mail:Read more