JEL Classification: C 35; C 53; Q 00; Q 23. DOI: https://doi.org/10.31521/modecon.V16(2019)-09 Lushko S. M., Teacher of the Department of finance and credit, Petro Mohyla Black Sea National University, Mykolayiv, Ukraine ORCID ID: 0000-0003-4598-1319 e-mail: sveta.lushko@gmail.com Taranenko Y. O., Student of the 3rd course, specialty 072 «Finance, banking and insurance», Petro Mohyla Black Sea National University, Mykolayiv, Ukraine ORCIDRead more