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List of publications on a keyword: «bank»

  • 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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  • The impact of bankruptcy of enterprises (organizations) on the regional economy.

    Proceeding
    Law, Economics and Management
    Author:
    Iana A. Rassadina
    Work direction:
    Финансы и кредит. Экономика предпринимательства
    Abstract:
    The primary goal of corporate bankruptcy proceedings is to regulate interactions with creditors, promote financial recovery, and rid the economy of inefficient companies, giving debtors a chance to emerge from the crisis and support businesses and jobs. A comprehensive approach to promoting entrepreneurship can significantly reduce the number of bankruptcies.
    Keywords:
    economy, regional economy, business, bankruptcy, insolvency
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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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  • Continuation of Financial Activities in Bankruptcy Proceedings

    Book Chapter
    Development of the Russian socio-economic system: challenges and prospects
    Authors:
    Irina A. Fedorova, Silvi G. Dashian
    Work direction:
    Глава 6
    Abstract:
    This chapter discusses the possibilities of continuing activities during bankruptcy through financial recovery and external management procedures. Attention is focused on the use of mechanisms such as transfer of obligations, attracting investors, debt restructuring and business sale.
    Keywords:
    bankruptcy, financial rehabilitation, external management, transfer of obligations, new legal entity, judicial practice, creditors' meeting, continuation of activities, restructuring
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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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  • Financial health of the company as a factor of the company's strategic development

    Proceeding
    Relevant problems of modern science and education
    Authors:
    Iuliia S. Kornilova, Iuliia S. Tsertseil
    Work direction:
    Инновационный опыт в науке и образовании в современном обществе
    Abstract:
    This article considers various methods of assessing the probability of bankruptcy of the company. It describes the main statistical models and their application for forecasting the financial condition of the company on the example of PJSC Tatneft. Also analyzes the factors that may affect the investment attractiveness of the company. In conclusion, the author draws a conclusion about how effectively the company uses its cash and suggests measures to improve some financial indicators.
    Keywords:
    bankruptcy, oil industry, financial stability, PJSC Tatneft, Altman’s model, Taffler’s model, Springate’s model, forecasting models
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  • Determination of the Company's Insolvency in the Risk Management System

    Proceeding
    Strategies of Sustainable Development: Social, Law and External-economic Aspects
    Authors:
    Aleksandr B. Oreshnikov, Iuliia S. Tsertseil
    Work direction:
    Вопросы социально-экономической эффективности предприятий
    Abstract:
    The development of an effective management model of a company is the basis for a high indicator of its viability. The work uses the example of «Yandex» to demonstrate the author's evaluation of the amount of financial bankruptcy of firms. The author recommends applying a cost-based method to analyzing a company's financial health in order to identify the key lines of enterprise development, forecast future growth, and offer the primary strategies to enhance it.
    Keywords:
    bankruptcy, insolvency, financial risks, cost model, business management, added economic value
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  • Assessment of the probability of bankruptcy of PJSC Lukoil

    Proceeding
    Relevant issues of management, economics and economic security
    Authors:
    Ekaterina A. Smolenkova, Iuliia S. Tsertseil
    Work direction:
    Анализ и прогнозирование основных тенденций современной экономики на макро-, мезо- и микроуровне
    Abstract:
    The article describes bankruptcy issues and information on conducting an assessment of the probability of assessing the bankruptcy of companies. Based on the data from the accounting statements of the oil and gas company PJSC Lukoil, the probability of bankruptcy of the company was assessed using four bankruptcy forecasting models. The article presents the conclusions of the analysis, evaluates the success of the introduction of the financial policy of the company.
    Keywords:
    bankruptcy, bankruptcy assessment, Lukoil, five-factor model, financial policy, bankruptcy forecasting models, Chesser`s model, Altman`s model, Belikov-Davydova`s model, Zaitseva`s model
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  • Ispol'zovanie sluzhebnogo polozheniia kak priznak ugolovno-pravovykh zapretov o kriminal'nom bankrotstve v UK RF

    Proceeding
    Modern trends in management, economics and business: from theory to practice
    Authors:
    Aleksandr A. Kniazkov, Evgenii M. Zolotin
    Work direction:
    Правовые аспекты управления, экономики и предпринимательства
    Abstract:
    The article examines the signs of bankruptcy crimes characterizing the official posi-tion of a person, the authors analyze the validity and relevance of introducing spe-cial differentiating features in Articles 195, 196, 197 of the Criminal Code of the Russian Federation, investigate the problems of law enforcement practice in the process of qualification of these norms.
    Keywords:
    bankruptcy, intentional bankruptcy, subject of crime, illegal actions, fictitious bank-ruptcy, official position, controlling person, arbitration manager, chairman of the liquidation commission, liquidator
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  • National currencies of the countries around the world

    Book Chapter
    National currencies of the countries around the world
    Authors:
    Natal'ia V. Reikhert, Ананьева Ульяна Николаевна, Воробьева Влада Александровна, Киктев Александр Алексеевич, Мехдиева Севиль Эльшановна, Морозова Татьяна Александровна, Мурашкина Екатерина Вадимовна, Паниченко Виолетта Владимировна, Прудников Никита Олегович, Секирова Елизавета Сергеевна, Терешко Татьяна Олеговна, Чернова Дарья Юльевна
    Work direction:
    Все направления
    Abstract:
    The monograph presents and describes the national currencies of most countries of the world. The first chapter reveals the definitions of such concepts as: currency, types of currencies, convertibility of currencies, exchange rate and exchange rate parity. The role of the foreign exchange market as one of the financial institutions in the economy of the country is shown. The next six chapters are devoted to the peculiarities of the currencies of different countries, grouped by territoriality and belonging to one or another community or union. The monograph is recommended for schoolchildren, students of higher educational institutions and all those who are interested in national currencies of different countries of the world.
    Keywords:
    currency, national currencies, countries of the world, coins, banknotes, foreign exchange market, currency convertibility, currency parity, exchange rate
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  • Gosudarstvenno-pravovoe regulirovanie nesostoiatel'nosti (bankrotstva)

    Book Chapter
    Economics and Law
    Author:
    Elena V. Iakovenko
    Work direction:
    Глава 3
    Abstract:
    This study is devoted to the study of the fundamentals of legal regulation of the institute of insolvency (bankruptcy) in Russia, as well as the role of the state in the regulation and implementation of this institution. The author considers the system of normative legal acts and acts of interpretation operating in the field of insolvency (bankruptcy), the main directions of state policy, tasks and functions of public authorities directly involved in the implementation of legislation on insolvency (bankruptcy). During the study of these issues, the author analyzed scientific literature, judicial practice, as well as materials of judicial statistics showing trends in the development of the institute of insolvency (bankruptcy) in Russia and the practice of its application. Based on the analysis, conclusions are drawn about the need to improve the regulatory framework of this institution, including taking into account the adjustment of the distribution of functions between public authorities, which will increase the effectiveness of the implementation of bankruptcy procedures in practice.
    Keywords:
    bankruptcy, insolvency, state regulation of bankruptcy, functions of the state in bankruptcy procedures, bankruptcy statistics, restoration of solvency, problems of legal regulation of bankruptcy
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  • Critical Analysis of the Norms on Criminal Bankruptcy in the Legislation of Foreign Countries

    Proceeding
    Law, Economics and Management
    Author:
    Anastasiia A. Chavgun
    Work direction:
    Уголовное право и криминология, уголовно-исполнительное право
    Abstract:
    This article analyzes the features of criminal bankruptcy: excessive casuistry of norms in the legislation of a number of countries, an attempt by the legislator to cover the entire range of ways of committing a crime, which indicates an incorrect approach from the point of view of legislative technique; the other extreme is an abstract approach to the construction of a norm that provides a law enforcement officer with a high degree of freedom when deciding on the presence of corpus delicti in the act.
    Keywords:
    debtor, insolvency, foreign countries, intentional bankruptcy, income
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  • Denezhnaia pravovaia politika: voprosy pravovogo razvitiia rossiiskoi gosudarstvennosti

    Book Chapter
    Strategies of Sustainable Development: External-economic, Law and Social Aspects
    Author:
    Aleksei V. Vasilev
    Work direction:
    Глава 3
    Abstract:
    In this paper the author has analyzed certain provisions of the main legal acts regulating monetary legal policy and its subjects. The following norms were subjected to legal analysis: the Constitution of the Russian Federation, the Federal Constitutional Law «On the Government of the Russian Federation», the Federal Law «On the Central Bank of the Russian Federation (Bank of Russia)", etc. The legal status of the Bank of Russia as the main subject of Russia's monetary policy was also considered. According to the results of the study, it turned out that the legal regulation of the monetary policy of the Russian Federation contains gaps and collisions that require a thorough revision of legislation in order to eliminate them.
    Keywords:
    economy, politics, conflict, law, government, gap, money, cash, issue, Bank of Russia, Central Bank of the Russian Federation
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  • Repressive Policy of the Soviet State in the Field of Protection and Ensuring the Stability of the Ruble in the 1920s-1950s (Financial, Economic, Criminal and International Legal Aspects)

    Book Chapter
    Economics: Issues, Strategy, Monitoring
    Author:
    Mikhail E. Zharkoi
    Work direction:
    Глава 7
    Abstract:
    Based on the analysis of archival and bibliographic sources, the paper examines the financial, economic, criminal and international aspects of the policy of the Soviet state in the field of protection and maintenance of the national currency and economic sovereignty of the USSR in the 1920s-early 1950s. Special attention is paid to the study of the law enforcement practice of Soviet punitive bodies. In conclusion, conclusions are formulated designed to actualize the priority of conducting a unified financial, credit and monetary policy in the Russian Federation
    Keywords:
    financial activities, norms of financial law, currency, ruble, economic sovereignty, counterfeiting, punitive policy, repression, International Convention against Counterfeiting of Banknotes
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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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  • The introduction of information services for the involvement of employees working remotely in the infrastructure of the bank PJSC VTB

    Proceeding
    Digital Transformation of State and Municipal Governance
    Authors:
    Mikhail V. Kuzmin, Olga A. Romanova
    Work direction:
    Цифровая трансформация и человеческий капитал
    Abstract:
    The main goal of creating an electronic platform for involving employees working remotely in the infrastructure of PJSC VTB Bank is to interest them in a remote work format, create a favorable climate in the company, make employees loyal to their company, and reduce staff turnover. The article reflects the main methods for creating an information service to maintain the corporate culture of bank employees working in a remote format.
    Keywords:
    corporate culture, methods, recommendations, VTB Bank (PJSC), remote work format, information service, content management systems, corporate website
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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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  • Procedure of Bankruptcy Today

    Book Chapter
    Economics and Law
    Authors:
    Nikita A. Zhulev, Aleksandr I. Grebennikov, Valerii V. Smirnov
    Work direction:
    Глава 1. Экономика и менеджмент
    Abstract:
    This article considers bankruptcy as a method of liquidation of a legal entity, its prerequisites, methods of preventing bankruptcy, procedure, procedure for payments to creditors, as well as the benefits that debtors and creditors can derive from this process.
    Keywords:
    debtor, creditor, bankruptcy, bankruptcy procedure, insolvency, signs of insolvency, legal entity
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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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  • Sovershenstvovanie organizatsii depozitnykh operatsii i depozitnoi politiki na primere banka PAO SKB Primor'ia "Primsotsbank": analiz i perspektivy razvitiia

    Book Chapter
    Economics and Law
    Authors:
    Elena N. Stenkina, Larisa A. Sakharova
    Work direction:
    Глава 1. Экономика и менеджмент
    Abstract:
    The relevance of this study is associated with the improvement of the organization of deposit operations and deposit policy on the example of a bank, today great attention is paid to such aspects in financial activities, in modern realities banks are developing intensively and can provide consumers with a fairly large list of services provided throughout the country
    Keywords:
    financial system, financial market, finance, economic phenomena, securities, financial environment, deposit operations, bank deposit, deposits in the national economy
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  • Business process reengineering

    Proceeding
    Law, Economics and Management
    Authors:
    Elizaveta S. Frenk, Daria N. Savina, Mariia A. Suchkova, Elena V. Kornilova
    Work direction:
    Экономика предпринимательства
    Abstract:
    The article analyzes the impact of reengineering on business processes, determines its key role and describes its impact on the Russian banking sector.
    Keywords:
    reengineering, business process, banks, transformation
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  • Prospects for the application of the provisions of foreign and international law for disputes on cross-border insolvency by the Russian courts

    Book Chapter
    Culture. Science. Education: Current Issues
    Author:
    Pavel R. Kvashnin
    Work direction:
    Глава 2. Наука
    Abstract:
    The problem of resolving cross-border insolvency disputes by Russian courts using foreign experience is analyzed in the article. The author describes how the problem of cross-border insolvency is resolved according to contemporary Russian legislation. It is noted that Russian courts are forced to independently develop approaches to dispute resolutions on cross-border insolvency in the absence of certain provisions in Russian law. The invocation of the concept “Center of Main Interests” (COMI) based on the analyses of the Russian courts’ cross-border insolvency precedents and the study of oversea conceptions is examined. The author comes to the conclusion that in order to justly resolve disputes on cross-border insolvency, it seems promising to use foreign experience by domestic courts.
    Keywords:
    COMI, Centre of Main Interests, cross-border insolvency, lex fori concursus, concept of the close connection, personal bankruptcy
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