| Summary: | The article is devoted to the study of issues related to the assessment of the usefulness of the depositors of deposit operations. Considered the evolution of the origin and development of the concept of "utility". Educed the problems of evaluating the effectiveness of depositors of banking institutions. Briefly described the nature and content of the category of the "efficiency of the capital market". It is set forth the definition of "utility investors," highlights three possible outcomes that may result from placing contributor of free cash in the bank. Models have been developed for evaluating the usefulness of investors as a result of return of the deposit in full, with interest, the partial return of the deposit and the non-return of the deposit as a result of a bank failure. Designated depositor losses as a result of the bankruptcy of the banking institution in which was placed a deposit. Special attention is paid to the situation with the return of deposits from the Deposit Guarantee Fund of individuals, namely, recoverable when the sum of the contribution does not exceed the amount provided by law and in the event that a deposit of more than the marginal rate. Mathematically formalized the result of investing the investor funds to bank deposit. Determine the cause of action under which investors place deposits in a particular bank.
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