Place Of Regional Banks In Modern Transformation Processes Of Russian Banking Sector

Abstract

Dynamic social economic development of meso-level is largely determined by the stability of the regional banking system, its structure and balance. Transformational processes in Russian economy and the banking sector affect topical issues of ensuring the smooth functioning of the credit and financial mechanism. In this regard, the problems of providing regional economic entities with financial institutions and a sustainable regional banking system are of particular relevance. This article is devoted to the study of problems in the development of regional banks during the financial recovery of the banking sector in Russia. International experience in building the architecture of the banking system is presented, and features of concentration processes of banking capital in developed and developing countries are also revealed. Tendencies and peculiarities of the formation and development of various categories of credit organizations are considered. Intermediate results and negative effects from aggressive regulatory policies with respect to a group of small and medium-sized banks in Brazil are identified as an example from the category of developing countries. The quantitative dynamics of the institutional structure of Russian banking system is assessed. Trends in the reduction of financial institutions in Russia, depending on their group. Main problems of transformation processes in Russian banking sector are defined. Negative intermediate results from the concentration of banking capital in Russia, which are not natural tendencies of free market relations and competitive environment in banking business, are indicated. The place of the “regional bank” category in the macro-banking policy of monetary authorities is determined.