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List of publications on a keyword: «banking»

  • Dynamics and challenges of business lending development in the Russian Federation

    Book Chapter
    Development of the Russian socio-economic system: challenges and prospects
    Author:
    Andrei V. Minakov
    Work direction:
    Глава 3
    Abstract:
    For the vast majority of businesses, uninterrupted access to borrowed financial resources is a crucial prerequisite not only for stable operations but also for continued growth. However, in modern Russia, business lending faces a complex set of serious challenges. One of the most pressing issues is the high cost of borrowed funds, which significantly increases the financial burden on businesses. Furthermore, lending institutions impose strict requirements on potential borrowers: mandatory collateral, transparent financial reporting, and a proven track record of successful business management. The situation is further complicated by the country's overall economic instability and unpredictable exchange rate fluctuations, which together create additional pressure on business lending. This study examines the development of business lending in Russia from 2021 to September 2025. The results indicate a decline in loan volumes in 2024–2025 and an increase in interest rates. However, existing prospects, such as lower interest rates, the development of alternative financing sources, government support, and the digitalization of financial services, could significantly improve the situation.
    Keywords:
    banking, business lending, legal entity lending, credit operations, lending development, lending problems
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  • Some problems of legal regulation of contractual relations between banks and their individual clients

    Book Chapter
    Development of the Russian socio-economic system: challenges and prospects
    Authors:
    Irina A. Fedorova, Nikita I. Sorokoumov, Matvei A. Ryzhkov
    Work direction:
    Глава 8
    Abstract:
    The position of the strong side of banking organizations in contractual relations with individual clients often leads to various abuses by banks, which violates various rights of citizens. It appears that the revision of certain provisions of laws regulating banking activities, including contractual relations, as well as the use of artificial intelligence algorithms by individuals, may become an effective measure of protection for individual clients in contractual relations with banks.
    Keywords:
    artificial intelligence, liability, illegal actions, contractual relations between banks and individuals, bank lending, individuals, unfair behavior, banking legal relations
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  • Trends in the development of the lending market in the Republic of Kazakhstan

    Book Chapter
    Effective development of the modern economy: problems and prospects
    Author:
    Ol'ga I. Maer
    Work direction:
    Глава 8
    Abstract:
    The chapter examines the trends in the development of the credit market and credit instruments in the Republic of Kazakhstan within the framework of the digitalization of financial instruments, the involvement of the economy in the processes of globalization and the encounter with certain difficulties of the banking sector in modern realities. An assessment of the current lending situation in the banking sector of the republic has been carried out, key needs and targets have been identified.
    Keywords:
    banking sector, credit, interest rate, lending entities, credit process, digitalization of financial instruments
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  • The general procedure for licensing banking activities in the Russian Federation

    Proceeding
    Law, Economics and Management
    Authors:
    Andrei A. Goriachkin, Evgeniia V. Medentseva
    Work direction:
    Гражданское и семейное право
    Abstract:
    In this article, the author analyzes the institution of banking licensing in the Russian Federation. The paper examines the licensing procedure of credit institutions, as well as its impact on the banking system of the Russian Federation. In addition, various types of credit institutions and their importance for the financial market are described. The thesis is emphasized that the Central Bank's choice of a specific vector for the development of the banking market should not hinder the entry of new entities into the market and the development of healthy competition.
    Keywords:
    Bank of Russia, licensing, banking operations, state registration, credit institution
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  • Theoretical aspects of the process of formation of banking ecosystems

    Book Chapter
    Principles of building a new ecosystem: Economic, legal and social aspects
    Authors:
    Valentina V. Ponikarovskaya, Marina A. Paniushkina
    Work direction:
    Глава 12
    Abstract:
    Based on the theoretical analysis of bibliographic sources, the main content of the concept of "banking ecosystem" is determined, the main tasks of its creation, distinctive features, functions of the ecosystem of the banking sector are considered, special attention is paid to the algorithm of creation and aspects of state regulation of the digital ecosystem of the bank. Examples of domestic banks developing their own ecosystems are given, and services are offered to enhance the functionality of Sberbank's mobile application. The prospects for the development of banking ecosystems in Russia are formulated.
    Keywords:
    technological innovations, product innovations, banking ecosystem, customer experience, customer profile, virtual interaction environment
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  • Place and role of regional banks in the financial system of the Russian Federation

    Proceeding
    Law, Economics and Management
    Author:
    Nikita V. Starkov
    Work direction:
    Общие вопросы экономических наук
    Abstract:
    Annotation. In this article, the author examines the place and role of regional banks in the financial system of Russia. The strengths and weaknesses of regional banks have been analyzed. In addition, the structure of the regional banking system is considered. The author proposes directions for the development of the regional banking system, which will contribute not only to the development of the financial system of the region, but also to the development of the financial system of the entire country as a whole.
    Keywords:
    region, financial system, bank, banking system of the region
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  • Evaluation of the efficiency and quality of banking services in the banking sector of the financial system of the region (on the example of the Krasnodar region)

    Proceeding
    Law, Economics and Management
    Author:
    Nikita V. Starkov
    Work direction:
    Общие вопросы экономических наук
    Abstract:
    In this article, the author analyzes the efficiency and quality of services provided by regional banks of the Krasnodar Territory. The volume of lending to individuals and legal entities, the volume of deposits of individuals and legal entities to the accounts of banks in the Krasnodar Territory are analyzed. In addition, the author identified the most popular services of regional banks in the Krasnodar Territory, as well as factors that directly affect the efficiency and quality of regional banking services.
    Keywords:
    quality, efficiency, bank, banking services, regional banks
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  • Ensuring the Economic Security of a Credit Institution

    Proceeding
    Socio-Economic Processes of Modern Society
    Authors:
    Natalia A. Gorkovenko, Elizaveta E. Stepanova
    Work direction:
    Вопросы социально-экономической эффективности предприятий
    Abstract:
    The article considers the regulatory and legal provision of economic security of a credit institution, as well as scientific approaches to determining the essence of economic security, and identifies the features of ensuring the economic security of a credit institution. It is concluded that it is necessary to develop adequate methods and mechanisms to ensure the economic security of credit institutions.
    Keywords:
    economic security, financial system, banking system, economic security of a credit institution, credit organizations
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  • Application of Artificial Intelligence in the Banking Sector

    Proceeding
    Law, Economics and Management
    Authors:
    Marina N. Iakovleva, Tatyana L. Fomicheva
    Work direction:
    Международная экономика
    Abstract:
    This article is devoted to the study of the role of artificial intelligence in the banking sector. Today, the introduction of new technologies in all spheres of life is a very relevant topic. The article reveals the concept of artificial intelligence as a factor in the development of the banking sector in particular and the economy as a whole. An overview of the use of the artificial intelligence system in banks in Russia and the world is presented.
    Keywords:
    artificial intelligence, banks, finance, banking, banking system
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  • Classification and Features of Banking Services Strategies Promotion

    Book Chapter
    Culture. Science. Education: Current Issues
    Authors:
    Ekaterina V. Pisareva, Elena I. Shevchenko
    Work direction:
    Глава 2. Наука
    Abstract:
    In order to retain loyal customers and attract prospective ones, commercial banks need to effectively build a corporate strategy that is aimed at studying customers’ needs. The main channels for promoting the services of a commercial bank are described. The authors of the article come to the conclusion that in conditions of increasing competition, credit organizations are moving away from traditional methods of customer service and increasingly resorting to the use of new remote sales channels.
    Keywords:
    strategy, marketing, bank strategy, commercial bank, banking services promotion, communication strategy
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  • Finansovaia bezopasnost' Kazakhstana: sovremennoe sostoianie, ugrozy i puti obespecheniia

    Book Chapter
    Management Problems in Socio-Economic Systems: Theory, Methodology, Practice
    Author:
    Olga I. Mfliarenko
    Work direction:
    Глава 2. Актуальные проблемы и механизмы обеспечения финансовой безопасности государства
    Abstract:
    The aspects of the main segments activity of the Kazakhstan financial security system, its criteria and indicators, the problems of the financial system stability of the country, real and potential threats to its security are considered in the article of the monograph. Special attention is paid to key priority orientations of the policy that ensure the financial security of the Republic of Kazakhstan. Based on the analysis of the security criteria of the budget system, the monetary system, the banking sector, foreign economic activity, positive and negative factors and their impact on the financial system security of the country were identified.
    Keywords:
    financial security, financial system, indicator, security criteria, threshold value, budget deficit, money supply, monetization factor, price volatility, Kazakhstan tenge rate, inflation, balance of payments, trade balance, exports, imports, banking sector, prudential regulations, recovery policy, threats to financial security
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