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Formation of Deposit Resources of Commercial Banks at the Present Stage: Problems and Prospects of Development
Authors: Tatyana E. Gvarliani, Alina N. Soboleva
Number of views: 74
The author of the article explores the issues of the depository policy of commercial banks, which is based on the prospect of the development of the banking system as a whole. The attraction of cash national currency in circulation outside of credit institutions becomes a priority for the formation of resource potential and the effectiveness of its use. In terms of economic uncertainty, this resource should be used more actively. The article analyzes the most popular Russian banks in the deposit market, the rating of Russian banks by the volume of deposits, the structure of deposit attracted funds of individuals and corporate clients by urgency. Currently, the potential of banks to attract funds from individuals and legal entities in the market has not yet been exhausted. Thus, during the analysis, it was revealed that when developing a policy for raising funds, banks should follow certain criteria for its improvement, which may include the following components, namely: close connection between bank deposits, loans and other operations to maintain the stability of the bank, reliability and its financial stability; diversification of banking resources to minimize risks; separation of deposit portfolio for different customer segments; different approach methods for different customer groups. This set of measures and financial instruments will contribute to stability in the development of the banking system and the effectiveness of the conceptual approaches implemented by the regulator in the system of settlement relations.