april 25, 2024

RU/EN

Headings of Vestnik

August 2015, № 8 (183)

Miheeva N.N. CAPITAL BANK BUILDING IN CRISISThe effective functioning of the banking system in the conditions of crisis to a large extent depends upon retaining its own development, primarily through the provision of stable growth of Bank capital. The major problem at the moment is the low degree of capitalization of the banking system, limiting its lending capacity. The recovery of the economy after the crisis intensifies competition among commercial banks, which further spur the banks to increase capitalization. In our view, the way of increasing capital of banks in crisis the following. First, to develop mechanisms to prevent and mitigate the risks that can be further introduced to the domestic banking system in connection with the expansion of integration processes and instruments of implementation of this mechanism. Secondly, to increase the market of retail and corporate lending. Third, to reduce the share of influence of the political situation in the country on credit and investment policy of banks. Fourthly, to increase the share of credit card products, as the most technologically advanced and quickly adaptable for any needs. Fifth, to increase focus on the management of customer loyalty, as one of ways of increase of profitability of banks. One of the measures to increase the capital of banks is the recapitalization of banks through Federal loan bonds. The implementation of this mechanism makes it possible to increase the tier II capital of banks, and allows credit institutions to attract more resources from the market and direct these resources at increasing its assets, that is lending to the economy, which in the current environment is experiencing a clear shortage of funding. Conducting a program of recapitalization of small and medium-sized banks, focusing on the regional credit institutions, the state is able not only to protect regions from economic recession, but also to create momentum for further development. And this at a time when Russia is fighting for every fraction of a percent GDP growth, an extremely important and urgent task.Key words: bank capital, capital base, capital increase, the capitalization of banks, sources of growth capital.

Download

References:

1. Andrуushin, S. A. Kreditnaуa aktivnost' i kapital banka: mezhdunarodnye trebovaniуa i rossijskaуa real'nost' [Credit activity and capital of the bank: Russian international requirements and reality] // Bankovskoe delo [Banking]. — 2015. — №5. — P. 16-25.

2. Baeva, T. Risk-menedzhment v bankovskoj sfere [Risk Management in Banking]. [electronic resource] // Predprinimatel'stvo i pravo: inform.-analit. portal. [Entrepreneurship and law: inform.-Analyt. portal.] — Moskva, 2011-2015. — Access: http://lexandbusiness.ru/view-article.php?id=5725. — the ingestion of screen (date of access: 29.10.2015).

3. Bankovskij sektor v 2015 godu : golodnye igry [The banking sector in 2015: The Hunger Games]. [Electronic resource]. Access: http://www.raexpert.ru/researches/banks/prognoz_2015 // Rejtingovoe agentstvo RAEX ("Expert RA"). — Moskva, 1997-2015. –/. — the ingestion of screen (date of access: 29.10.2015).

4. Blyum, A. A. Istoriya kreditnyh uchrezhdenij i sovremennoe sostoyanie kreditnoj sistemy v SSSR [History of credit institutions and the current state of the credit system in the USSR]. — Moskva : Gosfinizdat, 1929. — 238 p.

5. Bulatova, A. Gospodderzhka ne dlya vseh [State support is not for everyone] // Nacional'nyj bankovskij zhurnal [National Banking Magazine]. — 2015. — №5. — P. 48.

6. Vystuplenie predsedatelya Banka Rossii Elviry Nabiullinoj v Gosudarstvennoj dume RF 21 oktyabrya 2015 goda [Statement by the Chairman of the Bank of Russia Elvira Nabiullina in the State Duma of the Russian Federation 21 October 2015]. [Electronic resource] // Central'nyj bank Rossijskoj Federacii : [ofic. sajt] / Bank Rossii. — Moskva, 2000-2015. — http://cbr.ru/Press/print.aspx?file=press_centre/Nabiullina_21102015.htm&pid=press&sid=ITM_29912 Access: — the ingestion of screen (date of access: 29.10.2015).

7. Godovoj otchet Sberbanka Rossii za 2014 god [Sberbank of Russia. Explanatory note to the annual report 2014]. [Electronic resource] // Sberbank Rossii : [ofic. sajt] / PJSC "Sberbank Rossii". — Moskva, 1997-2015. — Access: http://2014.report-sberbank.ru/ru/#. — the ingestion of screen (date of access: 29.10.2015).

8. Grinyuk, E. Upravlenie lojal'nost'yu klientov kak instrument povysheniya dohodnosti bankov [Managing customer loyalty as a tool to improve the profitability of banks] // Bankovskoe kreditovanie [Bank lending]. — 2014. — №3. [Electronic resource] — Access: http://futurebanking.ru/reglamentbank/article/46. — the ingestion of screen (date of access: 29.10.2015)

9. Zayac, E. A. Tehnologii povysheniya dohodnosti kreditnyh produktov: bol'she, c. em konsalting [Technologies to increase yield credit products: more than consulting] // Bankovskoe kreditovanie. [Bank lending]. // — 2013. — №6. — [electronic resource]. Access: http://futurebanking.ru/reglamentbank/article/1555. — the ingestion of screen (date of access: 29.10.2015).

10. Klyuchevye pokazateli bankovskogo sektora [Key indicators of the banking sector] // Bankovskoe obozrenie [Banking Review]. — 2015. — №5 — P. 20.

11. Miroshnichenko, O. Sobstvennyj kapital banka. Problemy regulirovaniya [Equity Bank. Problems of regulation]. — Moskva : Ves' Mir [All The World]. 2012. — 244 p. — ISBN 978-5-7777-0531-0.

12. Miheeva, N. N. K voprosu ob ekonomicheskoj sushchnosti bankovskogo kapitala [On the question of the economic essence of banking capital]. // Vestnik Orenburgskogo gosudarstvennogo universiteta [Bulletin of the Orenburg State University]. — Orenburg: OSU. — 2008. — №8 (90). — P. 151-156.

13. Miheeva, N. N. Preimushchestva i nedostatki nekotoryh sposobov narashchivaniya kapitala kommercheskih bankov [Advantages and disadvantages of certain methods of increasing the capital of commercial banks]. // Vestnik Orenburgskogo gosudarstvennogo universiteta [Bulletin of the Orenburg State University]. — Orenburg: OSU. — 2010. — №13 (119). — P. 177-180.

14. O bankah i bankovskoj dejatel'nosti : feder. zakon ot 02.12.1990 №395-1-ФЗ (dejstvuyushchaja red. ot 13.07.2015) [The Russian Federation. Laws. On Banks and Banking Activities: Feder. Law of 2 December 1990. №395-1-FZ (of July 13, 2015). [Electronic resource]. // Konsul'tantPlyus : [ofic. sajt]. — Moskva, 1997-2015. — Access: http://www.consultant.ru/popular/bank/. — the ingestion of screen (date of access: 29.10.2015).

15. O Central'nom Banke Rossijskoj Federacii : feder. zakon : (prinyat Gos. Dumoj 27.07.2002 g. : red. ot 05.10.2015) [The Russian Federation. Laws. On the Central Bank of the Russian Federation: the fader. Law: (adopted by the State. Duma on July 27, 2002)] [Electronic resource]. // Konsul'tantPlyus : [ofic. sajt]. — Moskva, 1997-2015. — Access: http://www.consultant.ru/document/cons_doc_LAW_37570/ . — the ingestion of screen (date of access: 29.10.2015).

16. Otchet o razvitii bankovskogo sektora i bankovskogo nadzora v 2014 godu [Report on the development of the banking sector and banking supervision in 2014] / Central'nyj bank Rossijskoj Federacii. [Report of the Central Bank of the Russian Federation]. [Electronic resource]. — Moskva, 2015. — Access: http://www.cbr.ru/publ/archive/root_get_blob.aspx?doc_id=9878. — the ingestion of screen (date of access: 29.10.2015).

17. Parusimova, N. I. Bankovskoe delo v usloviyah rosta neopredelennosti [Banking in the face of rising uncertainty] // Vestnik Orenburgskogo gosudarstvennogo universiteta [Bulletin of the Orenburg State University]. 2015. — 2015. — №4 (179). — P. 318-321

18. Parusimova, N. I. Transformaciya bankovskih produktov v raznyh tipah ekonomicheskih sistem : monografija [Transformation of banking products in different types of economic systems: Monograph]. — Orenburg : OSU, 2004. — 389 p. –p. 313-339. — ISBN 5-7410-0442-3.

19. Pokazateli dostatochnosti kapitala rossijskih bankov [Indicators of capital adequacy of Russian banks]. // NBJ Nacional'nyj bankovskij zhurnal [National Banking Magazine]. [Electronic resource]. Access: http://www.nbj.ru/publs/ot-redaktsii/2014/10/17/pokazateli-dostatochnosti-kapitala-rossiiskix-bankov/ — the ingestion of screen (date of access: 29.10.2015).

20. Puti povysheniya dohodnosti bankovskoj deyatel'nosti [Ways to improve the profitability of banking]. [Electronic resource]. — Moskva, 1999-2015 Access: http://www.finansy.ru/publ/zmt/kred/011bankdoh.html. — the ingestion of screen (date of access: 29.10.2015).

21. Razdat' milliard [Deal billion. Interview: Yuri Isaev] // Bankovskoe obozrenie [Banking Review]. — 2012. — №1 (156). –. №1. [Electronic resource]. — Access: http://bosfera.ru/bo/2012/01/razdat-milliard . — the ingestion of screen (date of access: 29.10.2015).

22. Rykova, I. N. Ekonomicheskaya rol' pokazatelya dostatochnosti kapitala v bankovskoj sisteme [The economic role of capital adequacy in the banking system]. // Bankovskoe delo [Banking]. — 2014. — №9. — P. 36-42.

23. Sliyaniya i pogloshcheniya v rossijskom bankovskom sektore [Mergers and acquisitions in the Russian banking sector]. // NBJ Nacional'nyj bankovskij zhurnal [National Banking Magazine]. [Electronic resource]. Access: http://www.nbj.ru/publs/banki-i-biznes/2014/07/03/slijanija-i-pogloschenija-v-rossiiskom-bankovskom-sektore/index.html. — the ingestion of screen (date of access: 29.10.2015).

24. Strategija razvitija bankovskogo sektora Rossijskoj Federacii na period do 2020 goda [Banking Sector Development Strategy of the Russian Federation for the period up to 2020]. // Federal'naya sluzhba po finansovym rynkam : [ofic. sajt] / FSFR Rossii. — Moskva, 2010. — [Electronic resource]. Access: http://www.cbr.ru/sbrfr/archive/fsfr/archive_ffms/ru/press/russia2020/strategy2020/index.html. — the ingestion of screen (date of access: 29.10.2015).

25. Husainova, S. V. Rentabel'nost' kapitala kommercheskogo banka, kak pokazatel' ocenki ego deyatel'nosti [Return on equity commercial bank, as a measure of evaluation of its activities]: [monograph]. Novosibirsk, 2015. — [Electronic resource]. Access: http://sibac.info/14297 . — the ingestion of screen (date of access: 29.10.2015).

About this article

Author: Miheeva N.N.

Year: 2015

Editor-in-chief

Sergey Aleksandrovich
MIROSHNIKOV

© Электронное периодическое издание: ВЕСТНИК ОГУ on-line (VESTNIK OSU on-line), ISSN on-line 1814-6465
Зарегистрировано в Федеральной службе по надзору в сфере связи, информационных технологий и массовых коммуникаций
Свидетельство о регистрации СМИ: Эл № ФС77-37678 от 29 сентября 2009 г.
Учредитель: Оренбургский государственный университет (ОГУ)
Главный редактор: С.А. Мирошников
Адрес редакции: 460018, г. Оренбург, проспект Победы, д. 13, к. 2335
Тел./факс: (3532)37-27-78 E-mail: vestnik@mail.osu.ru