A retrospective analysis of the provision of regions with banking services

Abstract

This article is devoted to the assessment of interim results, the policy of the Bank of Russia to improve the banking system, in terms of trends of regional provision of banking services. A brief overview of the previous stages of transformation of the banking system of Russia is presented. The stage of recovery of the banking system with the characteristic of the main qualities and trends has been defined. A review of scientific literature on the investigated topic has been made among domestic authors, who in their works noted the intermediate results of the policy of recovery of the banking sector with forecast values of further development of such transformations. Quantitative indicators of institutional security of the national economy and meso-level by credit institutions are given, which allow to identify and interpret processes of change of institutional component of the banking sector of the country. Comparative quantitative and financial indicators of institutional development of the banking sector for the last 11 years are also presented in order to compare the current trends with the crisis period of 2009. Quantitative dynamics of credit institutions in terms of federal districts with determination of the share structure by macro-levels have been analyzed. The assessment of the regional banking environment is based on the North Caucasus Federal District as the least saturated territorial entity with banking institutions. In the regional section of the North Caucasus Federal District, an analysis of absolute and relative indicators, indices allowing to determine the degree of availability of banking services was carried out. Regions with the least access of economic agents to banking services have been identified, which indicates an increase in the economic spatial uneven regional environment with regard to the financial accessibility of the population and enterprises. The main intermediate negative results of the mega-regulator policy on "cleaning up" the banking sector have been systematized. Problematic aspects related to modern processes of structural and cluster optimization and consolidation of the banking system have been identified.