CROWDFUNDING SYSTEMS: evaluation and government regulation in the conditions of reengineering

two decades. This requires appropriate education and certain conditions for doing business ( Ɉɥɶɯɨɜɢɱ , 2016). As it is known, personal income is distributed between current consumption and savings. The tendency of the population to save plays an important role in the development and support of crowdfunding projects because only if the population has enough funds for a comfortable existence and savings, it is ready to participate in the implementation of projects as a contributor and investor. The propensity to save can be estimated by such an indicator: the share of gross investment of the population in the country's GDP. It is worth noting that according to the World Bank (2019), the record value of this indicator was recorded in 2006 — it was 26.7% of global GDP, and in 2007 it was 26.6% of GDP. During the economic crisis in 2008, the share of gross savings was 23.4%. The lowest figure was in 1991, with a value of 22% of GDP. Table 1.5 shows the absolute leaders in terms of the share of gross savings in the country's GDP in 2017. As you can see, these are mainly countries whose economy is based on oil and gas production. Table 1.5 List of leading countries by share of gross savings in GDP, 2017 The number of country in the world ranking Countries Share of gross savings in GDP, % 1 Brunei 55,64 2 Macao 51,82 3 Qatar 48,45 4 Singapore 48,07 5 China 47,01 10 Ireland 36,63 23 the Netherlands 30,61 38 Germany 27,76 39 Czech Republic 27,44 66 France 22,65 81 Ukraine 19,00 Note: formed by the authors based on (World Bank, 2018; Statista, 2018) 34