JEL Classification: G 21; E 50 DOI: https://doi.org/10.31521/modecon.V25(2021)-11 Kvasnytska Raisa, Doctor of Economic Sciences, Associated Professor, Professor of the Department of Finance, Banking and Insurance, Khmelnytskyi National University, Khmelnytskyi, Ukraine ORCID: 0000-0002-0443-9390 e-mail: rstepanivna@gmail.com Dotsenko Inna, PhD (Economics), Associate Professor of the Department of Finance, Banking and Insurance, Khmelnytskyi National University, Khmelnytskyi, Ukraine ORCID: 0000-0003-4972-3106Read more