This article analyzes the current situation with crediting in terms of business diversification on the banking services market. Specifically the author considers interrelation between crediting process and other financial instruments in the banking sector. Herewith it is noted that the growth of bank assets will be based on retail business activities in mortgage and automobile lending segments, crediting of natural persons, small and middle sized businesses.
Zyuzina Olga, Yegorov Aleksey
The article comprises the analysis of a bank credit channel of monetary policy transmission mechanism. It also provides the analysis of factors which determine the heterogeneity of different banks' response to monetary policy impulses. This heterogeneity is becoming of more importance since the Bank of Russia is switching towards inflation targeting. Special attention is paid to previously unexamined for Russia Kashyap and Stein liquidity effect which implies that banks with less liquid assets respond to monetary policy impulses in a greater degree. Our results suggest that in Russia the relationship between a liquidity level and a response to monetary policy impulse holds only for the banks with a sustainable business model.
Poltoradneva Natalia, Dolgushina Anastasia
The article presents transactional remote banking category - internet-banking. It investigates the foreign and Russian experience of the «internet-banking» concept using. The article quotes foreign studier’s results about the impact of online banking on bank activities, that let author give a long-term outlook on online banking and remote banking channels in Russian banking sector.
Yashina Nadezhda, Makarova Svetlana, Makarov Igor
In connection with the crises in the world economy, the problem of effective management of the formation process of the own capital of credit organizations becomes increasingly important. The article examines different approaches to the management of the equity of credit institutions, analyses them with regard to the specifics of the Russian banking system. The authors made conclusions concerning possible ways of improving the process of management of the own capital of credit organizations in Russia.
Popov Sergey, Lysova Yelena
The article considers the possibility of insuring corporate funds on deposit and current accounts. The opportunity of commercial insurance is shown. The algorithm for calculating the rate and insurance premium in accordance with the procedure of the Federal service of insurance supervision is offered. Mutual interest of participants of process - banks and insurance companies is defined.
The article examines the features of the «war economy» of Russia in 1914-1917, forms of financing of the budget deficit. It turns out the role of institutional factors in the occurrence of such phenomena as «lack of money», «gold inflation», «price revolution» in the period of the abolition of the gold standard and the transition to new principles of monetary circulation. The contribution of Russian economists in the study of the phenomenon of paper money is shown.
Alekseeva Liudmila, Prilutskaya Alla
The article investigates singularity of venture capital globalization in modem innovative economy. Tendencies and problems of the worlds’ VC are evaluated and analyzed, and factors of forming global VC market are recognized.