december 22, 2024

RU/EN

Headings of Vestnik

August 2015, № 8 (183)

Syvrachev A.S. FEATURES OF BANKING SYSTEM DEVELOPMENT AT THE REGIONAL LEVELThe banking system is a basic element of the real sector of the Russian economy and its regions. The current policy being implemented in the Russian Federation, aimed at modernizing production structures and improving the sustainability of economic entities on the basis of active innovation, investment in the sphere of material production puts the banking system in the region and the country's challenges related to the availability of financial resources, the preservation of assets of enterprises and individuals, introduction of new technologies of the bank and interbank transactions, etc. New realities determine the more active involvement of the banking system in regional economic processes that determined the relevance of the research. The ongoing changes in the economy predetermined the use in our study of the provisions which are formulated in the framework of the theory of stagnation. Scientists, developers have identified the need to eliminate the contradictions between the desire of owners to get maximum income from the use of capital and reduces the possibility of this process. To solve this contradiction is possible through a broad activation of innovative processes and purchasing power in the economy. In this situation significantly increases the role of the organizations of the banking system as a catalyst for innovation processes. The banks may, within its own activities both promote and "slow down" the scientific and technological development of the economy, either through expansion or narrowing of the possibilities of using debt capital. The research revealed features of the development of the banking system at the regional level: a significant reduction in the number of credit institutions in the Russian economy and the Orenburg region, increasing the role and position of the banking system in regulating the movement of money in the Russian regions, a significant part of the banking system in the revitalization of consumer demand in the economy of Orenburg region, the lack of participation of the banking system in the investment processes in the region and others. These features have predetermined the possibility of making some of the manifestations of the banking system at the regional level: reducing institutional representation in the banking market; krupnenie credit institutions in the regions of the Russian Federation through the rationalization of the internal structure and the aggregate supply of banking products; increasing the responsibility of the banks operating in the Russian Federation in the implementation of targeted activities for the development of the regional economy, and others.Key words: banking system, the region, features, the trend, the structure, the credit organization, development.

Download

References:

1. Belykh L.P. The stability of commercial banks. — M.: Banks and stock exchanges, 1996. — 192 p.

2. Golovin Y.V. Banks and banking services in Russia. — M.: Finance and Statistics, 1999. — 416 p.

3. Dolan E.J., Campbell K.D., Campbell R.J. Money, banking and monetary policy / Trans. from English. In Lukashevich, etc.; Under the total. Ed. V. Lukashevich. — L.: Turan, 1991. — 448 p.

4. Zhelezova V.F. International redistribution of capital through the banking system // Ways of attraction of foreign investments in Russia / Ed. V.P. Kolesov and M.N. Osmovoy. — M., 1998. — P. 111.

5. Ivanov V.V. Analysis of the reliability of the bank. — M.: Russian business literature, 1996. — 320 p.

6. Ilyasov S.M. The stability of the banking system: the mechanism of control, regional features. — M.: UNITY-DANA, 2001. — 255 p.

7. Kasyutin A.E. Improving methods of assessing the sustainability of the regional banking system: author. dis. ... cand. econ. sciences: 08.00.10 — Stavropol, 2006. — 26 p.

8. Korabeynikov I.N., Korabeynikova O.A., Syvrachev A.S. Socio-economic features of the development of lending to individuals in the Orenburg region // Proceedings of the Orenburg State Agrarian University. — 2013. — №6 (44). — P. 164-167.

9. Korabeynikov I.N., Sinyukov A.A., Speshilov S.M. Methods of assessing the impact of scientific and technological development of the regional industrial complex // Bulletin of the Orenburg State University. — 2013. — №8 (157). — P. 102-109.

10. Korabeynikov I.N., Speshilov S.M., Korabeynikova O.A. Strategic directions of development of the regional industrial complex on the basis of cluster approach // Kazan science. — 2013. — №9. — P. 123-125.

11. Korabeynikov I.N., Speshilov S.M., Korabeynikova O.A. Regional industrial complex: the theory and practice of cluster development. Ed. Academician A.I. Tatarkin. — Ekaterinburg Institute of Economics, Ural Branch of RAS, 2013. — 150 p.

12. Lobanov A.A. Institutional mechanisms of regulation of banking risks in the transition economy of Russia: author. dis. ... cand. econ. sciences: 08.00.10 — Moscow, 2007. — 26 p.

13. Mikhailov A.V. Development of the regional segment of the banking system // Bulletin of the University of Chuvashia. — 2008. — №1. — P. 418-421.

14. Nikulina E.I. The banking system of Russia: problems of development and cooperation with universities // Bulletin of the Tomsk Polytechnic University. — 2012. — №6. — P.20-25.

15. Popkov V.V. Banks in transition. — M.: OOO KIC "Deca", 2001. — 432 p.

16. Ryabov I.B. Analysis of the financial condition of commercial banks // Money and the credit. — 2001. — №7. — P. 60-61.

17. Samarina T.S. Russia's banking system in the conditions of globalization // Bulletin of Chelyabinsk State University. — 2011. — №31. — P. 132-136.

18. Sinkey J. Department of Finance in commercial banks; Ed. R. Levitt, B.S. Pinsker. — Tanslation from 4th Eng. ed. — M.: Catalaxy, 1994. — 937 p.

19. Smith V. Origin of Central Banks / trn. from english. E. Tanhilevich. — M.: IMPE, 1996. — 284 p.

20. Solntsev O.G. Features of development of the banking system as part of the modern model of the reproduction of the Russian economy: author. dis. ... cand. econ. sciences: 08.00.05 — Moscow, 2000. — 30 p.

21. Suvorov A.V. Some questions of methodology for analyzing financial stability of the commercial bank // Finances and Credit. — 2001. — №1 (73). — P. 10-13.

22. Tosunyan G.A. Banking and banking legislation in Russia: experience, problems and prospects. — M.: Case Co., 1996. — P. 289-294.

23. The Federal Law of 02.12.1990 №395-1 "On banks and banking activity" [Electronic resource] / Developer — ConsultantPlus. — URL: http://www.consultant.ru/popular/bank/

24. The Federal Law of 10.07.2002 №86-FZ (ed. By 07.13.2015) "On the Central Bank of the Russian Federation (Bank of Russia)" [electronic resource] / Developer — ConsultantPlus. — URL: http://www.consultant.ru/document/cons_doc_LAW_37570/

25. Fetisov G.G. The stability of the commercial bank and rating systems to assess it. — M.: Finance and Statistics, 1999. — 168 p.

About this article

Author: Syvrachev A.S.

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