Реформация банковского сектора в интересах обеспечения защиты социально незащищенных слоев населения

Abstract

Today, in the context of unprecedented aggressive sanctions pressure, the need to change the existing paradigm of providing banking services to the socially unprotected population is more urgent than ever before. Taking into account the unstable military-political situation, various measures should be developed to support socially vulnerable citizens for whom the availability of existing benefits is insufficient to meet basic needs. The banking sector in the vast majority of cases pursues private interests — obtaining maximum benefits from the provision of banking services while minimizing possible risks. In this regard, the use of a socially oriented approach is often not actively used in the banking sector. For example, many preferential lending programs for low-income citizens carry a high degree of risk, so banks have little interest in issuing loans and providing any benefits. That is why the state, as the main regulator of economic processes, must find parity between the interests of banks and ensuring the financial well-being of these categories of citizens. In a crisis, such a policy is of decisive importance for the whole society and the development of all sectors of the economy in the state. This article suggests some directions of possible reformations of the Russian banking sector in order to ensure the protection of socially vulnerable segments of the population.