Adaptation of the legislation of Ukraine in the field of guaranteeing individuals' investments to the law of the European Union

The harmonization of the legislation of Ukraine with the law of the European Union and its adaptation to the key requirements of building a common European legal space covers various areas of legal regulation, one of which is the area of guaranteeing deposits of individuals. It is established that in conditions of increased economic instability, there is an increase in banking risks, the implementation of which may lead to problems in the solvency of banks and the possibility of non-receipt by depositors of their savings placed in bank accounts. In this regard, the protection of the rights and legitimate interests of depositors requires the introduction of additional guarantees by revising and improving the legal regulation of the system of guaranteeing deposits of individuals in Ukraine and ensuring the stability of the financial system which will speed up the processes of adaptation of Ukrainian legislation to EU law in the relevant sphere of legal relations. One of the priorities of the European course of Ukraine is the adoption, improvement and implementation of legal acts in the field of consumer rights protection, developed taking into account the acts of EU law, with the aim of implementing the constitutional obligation of the state and bringing the legislation of Ukraine in line with the unified approaches of the consumer rights protection system. Therefore, the purpose of the article, based on a systematic analysis using comparative legal, dialectical and other methods, is to analyze the main directions of adaptation of the legislation of Ukraine in the field of guaranteeing the contributions of individuals to EU law and to provide proposals for improving the legal regulation of the relevant relations. The article substantiates the necessity in the process of further rule-making activities in the field of guaranteeing deposits of individuals, it is important to study the positive foreign experience in protecting the rights and legitimate interests of depositors, in particular, the possibility of existence, along with the Deposit Guarantee Fund for individuals of state ownership, of non-state deposit guarantee funds, coordination of actions and exchanging information between banks as participants in the deposit guarantee system, optimizing the timing of refunds on deposits, lifting restrictions on deposits in banking metals, providing the opportunity for the depositor to receive compensation in the deposit currency, limiting the circle of persons whose deposits are not subject to reimbursement, etc., which will help increase public confidence in the banking system and accelerate the process of legal adaptation of the regulatory framework of Ukraine to the EU norms and standards in the field of securing deposits of individuals.

adaptation of Ukrainian legislation to EU law, guaranteeing deposits of individuals, protection of depositors' rights and interests, legal certainty.