Качество жизни российских граждан: от стратегии развития банковского сектора к таргетированию

Abstract

In modern conditions of one of cardinal problems of increasing of competitiveness of the Russian economy is the formation of strategic potential of the banking
 sector as most important element of financial branch. It is impossible to increase demand for the credits and profitability of banks in short terms against the
 worsening economic situation without the competitive monetary policy representing a component of economic policy of the state. The modern monetary
 policy in Russia is connected with change of a paradigm of development of the banking sector: from aspiration to expand banking business due to aggressive
 marketing technologies to improvement of quality of bank assets. The main strategic objectives of this sector are increasing of welfare of the population and
 ensuring the maximum employment. In article the analysis of influence of the tools of a monetary policy used by the Central Bank of Russia on quality of life
 of the Russian citizens is given. On the basis of the analysis of statistical data the conclusion is drawn that specifics of the Russian economy, discrepancy of
 external and internal conditions and insufficient development of the transmission mechanism cause objective need of transition from targeting of an exchange
 rate, inflation to targeting of quality of life of the Russian citizens. Targeting of quality of life has advantages before alternative strategy of a monetary policy.