Трансформация банковского бизнеса в условиях турбулентности экономики

Abstract

The subject of the study is the processes of transformation of banking business in the conditions of economic turbulence, contributing to the emergence of new products, the introduction of digital innovations, and improving the quality of customer service. The purpose of the work is to establish the current state of the Russian banking sector in the conditions of economic turbulence. The research summarizes the processes of transformation of banking business and justifies the choice of its management model, identifies current trends in the transformation of banking business: the intensification of the use of digital technologies in banking operations, customer-oriented credit institutions, uneven distribution of bank offices in the country. Through a systematic and comprehensive analysis, acute problems of the banking business that require priority solutions have been identified: the creditworthiness of customers, the lack of long-term resources, insufficient provision of the country with credit institutions, the predominance of the population's resources in the banking capital, the low degree of investments of monetary amounts in the real sector of the economy. Conclusions are drawn that strengthening the role of the mega-regulator, the use of strict administrative measures to replenish the shortage of cheap and long-term credit resources, increasing the importance of investment banks; as well as the introduction of personalized mandatory standards for banks' activities will contribute to bringing the Russian banking sector to a higher level of development, which will increase the level of GDP and stimulate economic growth in the long term.