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Региональные Банки России: Проблемы Роста И Перспективы Развития // Regional Banks Of Russia: Problems Of Growth And Development Prospects

Author

Listed:
  • N. Voronova S.

    (St. Petersburg State University.)

  • O. Miroshnichenko S.

    (Tyumen State University.)

  • Н. Воронова С.

    (Санкт-Петербургский государственный университет.)

  • О. Мирошниченко С.

    (Тюменский государственный университет.)

Abstract

By the spatial location of credit institutions, the banking system of Russia includes two large groups of banks: regional banks and banks registered in Moscow and the Moscow Region. The activities of banks of the two groups are characterized by certain specifics. In view of the above, the purpose of this study was to identify, systematize and critically evaluate the current trends in the development of regional banks in Russia. The methods used include analysis and synthesis, induction and deduction, comparison, system analysis, selective observation. The analysis of official data of the Russian Central Bank for 2007–2016 showed that the trends of active credit institutions to shrink in number are common to both regional and Moscow credit organizations. The profits received by regional banks are incommensurably small compared to the profits of Moscow-based banks but are subject to much less volatility. The gap between amounts of ruble loans provided by credit institutions of the two groups under analysis is dramatically widening: to non-financial organizations in 2007–2016 and to individuals since 2011. After 2012, the amount of ruble loans extended to non-financial organizations by regional banks stabilized at about 2000 RUR billion, while the corresponding indicator for credit institutions in the capital region slowed down its growth in 2015–2016. Starting with 2009, the gap between investments in debt securities made by regional banks and credit institutions of Moscow and the Moscow Region has sharply widened; such bank investments in the capital region are noted to be highly volatile. Credit institutions of the Volga and North-Western federal districts dominate in the field of debt securities investment. Regional banks are running the conventional banking business primarily by lending and placing limited funds in securities of third-party issuers. The indicators of regional banks differ significantly by federal districts. Банковская система России по признаку территориального размещения действующих кредитных организаций включает в себя две крупные группы банков: региональные банки и банки, зарегистрированные в Москве и Московской области. Деятельности банков разных групп присущи определенные особенности. В связи с этим целью настоящего исследования является выявление, систематизация и критическая оценка современных тенденций развития региональных банков в России. В работе использованы методы анализа и синтеза, индукция и дедукция, метод сравнения, системный анализ, выборочное наблюдение. В результате анализа официальных данных Центрального банка Российской Федерации за 2007–2016 гг. было установлено, что тенденции сокращения количества действующих кредитных организаций присущи и региональным, и московским кредитным организациям; прибыль, полученная региональными банками, несопоставимо мала по сравнению с прибылью московских банков, однако подвержена существенно меньшей волатильности. Резко увеличивается разрыв между объемами кредитов в рублях, предоставленных кредитными организациями двух анализируемых групп: в течение всего периода (2007–2016 гг.) — кредитов нефинансовым организациям, с 2011 г. — кредитов физическим лицам. После 2012 г. объем кредитов, предоставленных нефинансовым организациям региональными банками в рублях, стабилизировался на уровне около 2000 млрд руб., в то время как соответствующий показатель кредитных организаций столичного региона замедлил рост в 2015–2016 гг. Начиная с 2009 г. резко увеличивается разрыв между объемом вложений в долговые ценные бумаги региональных банков и кредитных организаций Москвы и Московской области; отмечается высокая волатильность указанных вложений банков столичного региона. По объему вложений в долговые ценные бумаги лидируют кредитные организации Приволжского и Северо-Западного федеральных округов. Региональные банки ведут традиционный банковский бизнес, преимущественно осуществляя кредитование и размещая ограниченные средства в ценные бумаги сторонних эмитентов. Показатели региональных банков в разрезе федеральных округов существенно различаются.

Suggested Citation

  • N. Voronova S. & O. Miroshnichenko S. & Н. Воронова С. & О. Мирошниченко С., 2017. "Региональные Банки России: Проблемы Роста И Перспективы Развития // Regional Banks Of Russia: Problems Of Growth And Development Prospects," Финансы: теория и практика/Finance: Theory and Practice // Finance: Theory and Practice, ФГОБУВО Финансовый университет при Правительстве Российской Федерации // Financial University under The Government of Russian Federation, vol. 21(4), pages 40-53.
  • Handle: RePEc:scn:financ:y:2017:i:4:p:40-53
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    References listed on IDEAS

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