JEL Classification: E22, E27, R10, R11 DOI: https://doi.org/10.31521/modecon.V21(2020)-15 Zakharchenko Natalia, Doctor of Economics, Professor, Department of Finance, Banking and Insurance, I. I. Mechnikov Odessa National University, Odessa, Ukraine ORCID ID: 0000-0002-9895-531X e-mail: nvzakharchenko777@gmail.com Nikola Svitlana, Candidate of Economics, Associate Professor, Department of Finance, Banking and Insurance, I. I. Mechnikov Odessa National University, Odessa, Ukraine ORCID ID:Read more