Analysis of Regional Transformations in the Russian Banking System
https://doi.org/10.21686/2073-1051-2023-1-138-152
Abstract
Recent trends in changes in the institutional characteristics of the banking system of the Russian Federation at the regional level indicate a decrease in the total number of structural units. At the same time, the expansion of large federal players into the regions of the country continues through the optimization of the network of branches and additional offices. These processes do not affect the activity of the banking business in the field of lending to the population and other banking services. The trends of increasing credit indebtedness of individuals against the background of a decline in real wages in regions of Russian Federation pose a danger of deterioration in the quality of life. Simultaneously with the reduction in the number of regional offices by banks with foreign participation, there is an increase in the number of branches of banks of the largest Russian financial market brokers due to the rapid growth in the activity of private investors in the Russian stock market.
About the Author
D. V. Domaschenko
Federal State Budgetary Institute of Higher Education “Plekhanov Russian University of Economics”
Russian Federation
Russian Federation
Domaschenko Denis V. – Cand. Sc. (Econ.), Associate Professor, Head of the Scientific Laboratory of
Monetary System Research and Financial Market Analysis
36, Stremyanny Lane, Moscow, 117997
References
1. Sharafieva M.V. Prognozirovanie rosta ob”emov vydach ipotechnogo zhilishchnogo kreditovaniia na osnove faktornogo analiza [Forecasting the Growth in the Volume of Mortgage Housing Lending Based on Factor Analysis], Bankovskoe delo [Banking], 2022, No. 5, pp. 27–35. (In Russ.).
2. Dorofeev M.L. Analiz problemy sotsial’no-ekonomicheskogo neravenstva domokhoziaistv na urovne strategicheskogo tselepolaganiia razvitiia Rossii [Analysis of the Problem of Socio-Economic Inequality of Households at the Level of Strategic Goal-Setting for the Development of Russia], Ekonomika. Informatika [Economics. Computer science], 2022, Vol. 49, No. 2, pp. 327–338. (In Russ.).
3. Petrikova E.M. L’gotnaia sel’skaia ipoteka v Rossii: mif ili real’nost’ [Preferential Rural Mortgage in Russia: Myth or Reality], Bankovskoe delo [Banking], 2021, No. 4, pp. 31–37. (In Russ.).
4. Svedeniia o razmeshchennykh i privlechennykh sredstvakh [Information on Placed and Borrowed Funds], Ofitsial’nyi sait Banka Rossii [Official Website of the Bank of Russia]. (In Russ.). Available at: https://cbr.ru/statistics/bank_sector/sors/#highlight=razmeshchennykh%7Csredstvakh%7Crazmeshchennye%7Csredstva
Review
For citations:
Domaschenko D.V. Analysis of Regional Transformations in the Russian Banking System. Federalism. 2023;28(1):138-152. (In Russ.) https://doi.org/10.21686/2073-1051-2023-1-138-152
Views:
288
Email this article 