JEL Classification: G21. DOI: https://doi.org/10.31521/modecon.V18(2019)-19 Oryekhova K., Ph. D. (Economics), Associate Professor of the Finance, Banking and Insurance Department, Kharkiv Educational and Scientific Institute of SHEI “Banking University”, Kyiv, Ukraine ORCID ID: 0000-0003-0214-2750 e-mail: kate.orekhova2010@gmail.com Kostyukov O., Master’s Degree Student, graduate student of «Finance, Banking and Insurance» educational and professional programme, Kharkiv Educational and Scientific Institute ofRead more