Abstract
The special role in creation of conditions for ensuring the rise in economic growth of the country, the search of reserves for increase of investment and reproduction potential of all sectors of the economy belongs to a banking system. In the article tasks of identification of the main tendencies of development of the regional banking sector and problems of its functioning at the present stage, definitions of interrelation of regional economic and bank policy, development of recommendations about their adjustment are set. The consideration of the theory of evolution of a monetary policy allowed to show a credit role in formation of a gross regional product, to consider non-standard approaches to the solution of problems in the development of a real sector of the economy and to designate the perspective directions of expansion of interaction of banks and a real sector of the economy of the region. The appeal to foreign experience shows the possibility of use of the separate tools which aren't involved in the Russian Federation. The identification of the existing institutional disproportions in quantitative and qualitative parameters, the priority of crediting towards non-productive branches, low levels of indicators of indexes of a financial saturation financial services, savings business, a cumulative index of security of the region with banking services, prove the need of improvement of a legislative base in the field of a monetary policy and a banking system of Russia both on regional, and on federal levels. The authors offer an optimum institutional structure of the regional banking sector. DOI: 10.5901/mjss.2015.v6n6p91
Highlights
The strategic objective of the present stage of the development is the creation of conditions for ensuring a rise in the economic growth of the country, the search of reserves for increase of investment and reproduction potential of all sectors of economy, including banks
The credit relations are the effective mechanism of concentration and a modulation of the capital that is especially important in the solution of the problems connected with the investment and development of the real sector of economy of Russia
The key transformation, which is observed as the banking sector in economy of Russia, consists in the advancing growth rates of retail crediting in comparison with the corporate
Summary
The strategic objective of the present stage of the development is the creation of conditions for ensuring a rise in the economic growth of the country, the search of reserves for increase of investment and reproduction potential of all sectors of economy, including banks. The credit relations are the effective mechanism of concentration and a modulation of the capital that is especially important in the solution of the problems connected with the investment and development of the real sector of economy of Russia. In the conditions of the necessity of transformation of the economy, the role of banks considerably increases, there is a need for maintenance of financial stability of the enterprises, banks, the population, ensuring uninterrupted operation of calculations between economic entities and the direction of investments on development, first of all, of the real sector of economy. The main trends of regional economic policy are the following:
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