Abstract
The article discusses a number of current problems faced by banks as participants of the financial market during their operation. These problems are analyzed in the context of tasks of improving the efficiency of the Russian economy, taking into account the features of the functioning and further development of the financial market. In this regard, the author examines the reasons underlying the dominance of banks with state participation, and their consequences. The reasons for the increase in their dominance were caused by the preferences received by banks with state participation in the period of financial crises. Further tightening of requirements for financial market participants and ongoing financial support for the largest banks has created a new market structure. The author assumes that the severe restrictions imposed in the EAEU countries on the presence of companies from Russia in their financial markets are due to the fact that Russian credit organizations significantly exceed the national credit organizations of the EAEU countries in terms of assets. The reasons for the symbiosis of the largest insurance companies and banks, and its results are named. The author concludes that the entry of banks to the food and non-food retail market gives the state a unique lever of consumer market management through banks with state participation. The results obtained can be used to create a financial services marketplace. In addition, they can help the mega-regulator develop laws aimed at increasing the banks’ efficiency in the economy.
Highlights
The article discusses a number of current problems faced by banks as participants of the financial market during their operation
These problems are analyzed in the context of tasks of improving the efficiency of the Russian economy, taking into account the features of the functioning and further development of the financial market
The author examines the reasons underlying the dominance of banks with state participation, and their consequences
Summary
Аннотация В статье рассматривается ряд актуальных проблем, с которыми сталкиваются банки как участники финансового рынка в процессе осуществления своей деятельности. Данные проблемы анализируются в контексте задач по повышению эффективности экономики России с учетом особенностей функционирования и дальнейшего развития финансового рынка. В связи с этим автор исследует причины, лежащие в основе доминирования банков с государственным участием, и их последствия. Причины усиления их доминирования вызваны преференциями, которые получали банки с государственным участием в период финансовых кризисов. Что выход банков на рынок продовольственного и непродовольственного ретейла дает государству уникальный рычаг управления потребительским рынком через банки с государственным участием. Полученные результаты могут быть использованы при создании маркетплейса финансовых услуг и при разработке мегарегулятором законов, направленных на повышение эффективности деятельности банков в экономике. В. Доминирование банков с государственным участием в России: современные тенденции // Научно-исследовательский финансовый институт. Современные исследователи считают, что монополия и конкуренция, промышленная и конкурентная политика в разные временные периоды становились приоритетами экономической стратегии развития России.
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