THE INFLUENCE OF THE MACROECONOMIC FACTORS ON THE FORMATION OF COMMERCIAL BANKS OF RUSSIA DEPOSIT RESOURCES
( Pp. 267-276)
More about authors
Grinko Elena L.
kandidat ekonomicheskih nauk, docent kafedry «Finansy i kredit»
Sevastopol State University Ilyunina Daria A. aspirant kafedry «Finansy i kredit»
Sevastopol State University
Sevastopol State University Ilyunina Daria A. aspirant kafedry «Finansy i kredit»
Sevastopol State University
Abstract:
The article reveals the problematic issues of systematization and evaluation of the impact of the most significant macroeconomic factors on the formation of deposit resources of commercial banks in the context of economic instability, which determined the goal of the presented research are investigated in the article. Within the framework of the system approach, the methods of structural analysis, synthesis, graphical interpretation, correlation - regression analysis were used. The presented work focuses on the need to maintain a uniform flow of deposit resources into the banking system for the stability of the banking sector and the degree of dependence of this process on changing environmental conditions, which is especially evident during periods of macroeconomic crises and instability. The main factors influencing the formation of deposit resources of commercial banks of Russia at three levels: macro-, meso- and microeconomic are identified. Based on the use of economic and mathematical modeling methods, a regression equation has been compiled, and a statistically significant relationship has been evaluated between the most significant factors identified by the authors and the dynamics of bank deposits.
How to Cite:
Grinko E.L., Ilyunina D.A., (2018), THE INFLUENCE OF THE MACROECONOMIC FACTORS ON THE FORMATION OF COMMERCIAL BANKS OF RUSSIA DEPOSIT RESOURCES. Economic Problems and Legal Practice, 6 => 267-276.
Reference list:
Bartholomew P., Mote L., Whalen G. The Definition of Systemic Risk / U. S. Office of the Comptroller of the Currency. Department of Economic and Policy Analysis. Bank Research Division. Washington, D.C. 1995.
Caprio G., Klingbiel D. Bank insolvency: Bad luck, bad policy or bad banking / World Bank Conference on Emerging Markets. Washington. October 15-16, 1996.
Finansovo-kreditnyy slovar / Pod obshch. red. A.G. Gryaznovoy. M.: Finansy i statistika, 2002. S. 83.
Kovzanadze I. Sistemnye bankovskie krizisy v usloviyakh finansovoy globalizatsii // Voprosy ekonomiki. № 8. 2002. S. 89.
Popova M.A. Sistemnye bankovskie krizisy i prichiny ikh vozniknoveniya // Finansovye issledovaniya. № 7. 2003. S. 3-8.
Fedorova E.A., Andreeva O.A. Finansovyy, bankovskiy, dolgovoy i valyutnyy krizisy: osobennosti protekaniya v razvitykh i razvivayushchikhsya stranakh // Finansy i kredit. № 45 (525). 2012. S. 40-50.
Golovin M.YU., Kochetovskaya O.S. Vozdeystvie vneshnikh shokov na bankovskuyu sistemu Rossii (sopostovlenie krizisov 2008-2009 i 2014-2016 gg.) // Vestnik Instituta ekonomiki Rossiyskoy akademii nauk. № 6. 2017. S. 13-30.
Fedorova A.YU., Dorozhkina N.I. Razvitie bankovskoy sistemy i faktory, vliyayushchie na nee // Sayapinskie chteniya. 2014. S.162-165.
Lunyakova N.A. Sushchnost , klassifikatsiya i faktory vozniknoveniya depozitnykh riskov bankov // Vestnik SevNTU. 2009. № 98. S. 84-91.
Titievskaya O.V., Afendikova E.YU. Metodologicheskie podkhody k opredeleniyu faktorov depozitnykh riskov banka kak ob ekta regulirovaniya // Menedzher. Vestnik Donetskogo gosudarstvennogo universiteta upravleniya. № 2. 2016. S. 43-52.
Sobchenko N.V. Sovremennye tendentsii razvitiya i faktory, vliyayushchie na rossiyskuyu bankovskuyu sistemu // Uspekhi sovremennoy nauki. 2016. № 12 (4). S. 125-129.
Ulichkina I.A. Usloviya i faktory razvitiya depozitnykh operatsiy: istoriya i sovremennost // Ekonomika i biznes: teoriya i praktika. 2018. № 6. S. 193-204.
Belekhova G.V. Finansovoe povedenie naseleniya: sovremennye trendy i faktory // Sotsial noe prostranstvo. № 2 (9). 2017. S. 1-15.
YUsupova L.M., Nikonova T.V., Ivanov M.E. Faktory, opredelyayushchie vlozhenie sberezheniy domashnikh khozyaystv v bankovskiy sektor RF: sovremennoe sostoyanie // Servis v Rossii i za rubezhom. № 5 (75). 2017. S. 93-101.
Rykov S.V. Tendentsii izmeneniya ob emov depozitov v inostrannoy valyute i dragotsennykh metallakh v Rossiyskikh bankakh // Theoretical applied science. № 3 (47). 2017. S. 205-208.
Batrakova L.G., Kolpakova A.G. Modelirovanie sklonnosti naseleniya k organizovannym sberezheniyam v bankovskoy sisteme // Matematicheskoe modelirovanie v ekonomike, strakhovanii i upravlenie riskami. 2013. S. 20-24.
Orobinskiy S.S. Osobennosti predprinimatel skoy sredy bankovskoy deyatel nosti v period krizisa // Vestnik Sibirskoy gosudarstvennoy avtomobil no-dorozhnoy akademii. 2009. № 2 (12). S. 79-84.
A. Vozhzhov, N. Lunyakova Uchet vliyaniya depozitnykh riskov v protsessakh transformatsii bankovskikh resursov / Formuvannya rinkovoi ekonomiki v Ukraini. № 19. 2009. S. 16-26.
SHestakova I.M. Finansovaya turbulentnost trekh ekonomicheskikh krizisov v Rossiyskoy Federatsii // Ekonomika i upravlenie v sovremennykh usloviyakh. 2014. S. 421-425.
SHeyko E.V. Turbulentnost ekonomiki Rossii // Nauchnyy al manakh. № 11-1 (13). 2015. S. 580-582.
Mariev O.S. Prichiny sovremennykh bankovskikh krizisov i osobennostey ikh modelirovaniya // Vestnik UGTU-UPI. № 4. 2009. S. 106-116.
Karataeva T.A., Stepanova L.M. Zakonomernosti izmeneniya sprosa na bankovskie uslugi// Mezhdunarodnyy zhurnal prikladnykh i fundamental nykh issledovaniy. 2017. № 10-2. S. 311-316.
Grin ko E.L. KHokhlov V.V. K voprosu otsenki stabil nosti bankovskikh depozitov v usloviyakh nestabil nosti ekonomiki / Biznes Inform. 2013. № 8. S. 106-110.
Grin ko E.L. Stabil nost bankovskikh depozitov v usloviyakh makroekonomicheskoy nestabil nosti / V mezhdunarodnaya nauchno-prakticheskaya konferentsiya Ustoychivoe razvitie: obshchestvo i ekonomika . Sankt-Peterburg. 2018. S. 88.
Ogolikhina S.D. Srochnyy bankovskiy depozit kak nadezhnyy istochnik sokhraneniya sberezheniy v period sovremennogo ekonomicheskogo krizisa / SKIF. Voprosy studencheskoy nauki. 2017. № 9 (9). S. 226-230.
Igonina L.L. Investitsionnaya znachimost sberezheniy naseleniya v Rossiyskoy ekonomike // Daydzhest-Finansy. №22 (1). 2017. S. 4-18.
Ulyukaev A.V., Danilova E.O. Vneshniy dolg bankov kak istochnik finansirovaniya investitsionnoy strategii Rossii: riski i mekhanizmy regulirovaniya // Den gi i kredit. 2009. № 5. S. 14-23.
Eremina O.I., Morozkina M.S. Vliyanie krizisa 2014-2015 gg. na rossiyskiy rynok bankovskikh depozitov // Materialy KHKH nauchno-prakticheskoy konferentsii molodykh uchenykh, aspirantov i studentov natsional nogo issledovatel skogo Mordovskogo gosudarstvennogo universiteta im. N.P.Ogareva. Saransk. 2016. CH.3. S. 305-309.
Kozyr N.S., Tolstov N.S. Vliyanie klyuchevoy stavki na makroekonomicheskuyu stabil nost RF v period krizisa 2014 g. // Finansy i kredit. 2016. № 1 (673). S. 12-26.
Golodova ZH.G., Abakumova A.V. Vneshnie dolgi rossiyskikh bankov: sostoyanie i upravlenie v kontekste obespecheniya bezopasnosti bankovskogo sektora // Natsional nye interesy: prioritety i bezopasnost . 2011. № 30 (123). S. 46-51.
Sukharev A.N. Soderzhanie denezhno-kreditnoy politiki TSentral nogo banka RF v usloviyakh kolebaniya tsen na neft na mirovom rynke // Novaya nauka: problemy i perspektivy. 2016. № 6-1(85). S.240-242.
Inyutina E.N., Akhmetgalieva A.I. K voprosu o vliyanii mirovykh tsen na neft na kurs rublya // Problemy finansov, kredita i bukhgalterskogo ucheta v usloviyakh reformirovaniya ekonomiki. 2016. S. 85-88.
Avdeeva O.A., Rogoza I.S. Vliyanie tsena na mirovom rynke nefti na kurs rublya v 2014-2015 godakh // Sovremennyy vektor: mirovaya ekonomika, menedzhment i marketing. 2016. S. 17-23.
Magazov I.R. Faktory, vliyayushchie na pribyl nost kommercheskikh bankov (na primere PAO Sberbank ) // Vestnik nauki i obrazovaniya. 2018. № 3 (39). S. 50-56.
Alekhin B.I. Rynok roznichnykh depozitov // Ekonomicheskiy zhurnal. 2015. № 2 (38). S. 23-33.
Caprio G., Klingbiel D. Bank insolvency: Bad luck, bad policy or bad banking / World Bank Conference on Emerging Markets. Washington. October 15-16, 1996.
Finansovo-kreditnyy slovar / Pod obshch. red. A.G. Gryaznovoy. M.: Finansy i statistika, 2002. S. 83.
Kovzanadze I. Sistemnye bankovskie krizisy v usloviyakh finansovoy globalizatsii // Voprosy ekonomiki. № 8. 2002. S. 89.
Popova M.A. Sistemnye bankovskie krizisy i prichiny ikh vozniknoveniya // Finansovye issledovaniya. № 7. 2003. S. 3-8.
Fedorova E.A., Andreeva O.A. Finansovyy, bankovskiy, dolgovoy i valyutnyy krizisy: osobennosti protekaniya v razvitykh i razvivayushchikhsya stranakh // Finansy i kredit. № 45 (525). 2012. S. 40-50.
Golovin M.YU., Kochetovskaya O.S. Vozdeystvie vneshnikh shokov na bankovskuyu sistemu Rossii (sopostovlenie krizisov 2008-2009 i 2014-2016 gg.) // Vestnik Instituta ekonomiki Rossiyskoy akademii nauk. № 6. 2017. S. 13-30.
Fedorova A.YU., Dorozhkina N.I. Razvitie bankovskoy sistemy i faktory, vliyayushchie na nee // Sayapinskie chteniya. 2014. S.162-165.
Lunyakova N.A. Sushchnost , klassifikatsiya i faktory vozniknoveniya depozitnykh riskov bankov // Vestnik SevNTU. 2009. № 98. S. 84-91.
Titievskaya O.V., Afendikova E.YU. Metodologicheskie podkhody k opredeleniyu faktorov depozitnykh riskov banka kak ob ekta regulirovaniya // Menedzher. Vestnik Donetskogo gosudarstvennogo universiteta upravleniya. № 2. 2016. S. 43-52.
Sobchenko N.V. Sovremennye tendentsii razvitiya i faktory, vliyayushchie na rossiyskuyu bankovskuyu sistemu // Uspekhi sovremennoy nauki. 2016. № 12 (4). S. 125-129.
Ulichkina I.A. Usloviya i faktory razvitiya depozitnykh operatsiy: istoriya i sovremennost // Ekonomika i biznes: teoriya i praktika. 2018. № 6. S. 193-204.
Belekhova G.V. Finansovoe povedenie naseleniya: sovremennye trendy i faktory // Sotsial noe prostranstvo. № 2 (9). 2017. S. 1-15.
YUsupova L.M., Nikonova T.V., Ivanov M.E. Faktory, opredelyayushchie vlozhenie sberezheniy domashnikh khozyaystv v bankovskiy sektor RF: sovremennoe sostoyanie // Servis v Rossii i za rubezhom. № 5 (75). 2017. S. 93-101.
Rykov S.V. Tendentsii izmeneniya ob emov depozitov v inostrannoy valyute i dragotsennykh metallakh v Rossiyskikh bankakh // Theoretical applied science. № 3 (47). 2017. S. 205-208.
Batrakova L.G., Kolpakova A.G. Modelirovanie sklonnosti naseleniya k organizovannym sberezheniyam v bankovskoy sisteme // Matematicheskoe modelirovanie v ekonomike, strakhovanii i upravlenie riskami. 2013. S. 20-24.
Orobinskiy S.S. Osobennosti predprinimatel skoy sredy bankovskoy deyatel nosti v period krizisa // Vestnik Sibirskoy gosudarstvennoy avtomobil no-dorozhnoy akademii. 2009. № 2 (12). S. 79-84.
A. Vozhzhov, N. Lunyakova Uchet vliyaniya depozitnykh riskov v protsessakh transformatsii bankovskikh resursov / Formuvannya rinkovoi ekonomiki v Ukraini. № 19. 2009. S. 16-26.
SHestakova I.M. Finansovaya turbulentnost trekh ekonomicheskikh krizisov v Rossiyskoy Federatsii // Ekonomika i upravlenie v sovremennykh usloviyakh. 2014. S. 421-425.
SHeyko E.V. Turbulentnost ekonomiki Rossii // Nauchnyy al manakh. № 11-1 (13). 2015. S. 580-582.
Mariev O.S. Prichiny sovremennykh bankovskikh krizisov i osobennostey ikh modelirovaniya // Vestnik UGTU-UPI. № 4. 2009. S. 106-116.
Karataeva T.A., Stepanova L.M. Zakonomernosti izmeneniya sprosa na bankovskie uslugi// Mezhdunarodnyy zhurnal prikladnykh i fundamental nykh issledovaniy. 2017. № 10-2. S. 311-316.
Grin ko E.L. KHokhlov V.V. K voprosu otsenki stabil nosti bankovskikh depozitov v usloviyakh nestabil nosti ekonomiki / Biznes Inform. 2013. № 8. S. 106-110.
Grin ko E.L. Stabil nost bankovskikh depozitov v usloviyakh makroekonomicheskoy nestabil nosti / V mezhdunarodnaya nauchno-prakticheskaya konferentsiya Ustoychivoe razvitie: obshchestvo i ekonomika . Sankt-Peterburg. 2018. S. 88.
Ogolikhina S.D. Srochnyy bankovskiy depozit kak nadezhnyy istochnik sokhraneniya sberezheniy v period sovremennogo ekonomicheskogo krizisa / SKIF. Voprosy studencheskoy nauki. 2017. № 9 (9). S. 226-230.
Igonina L.L. Investitsionnaya znachimost sberezheniy naseleniya v Rossiyskoy ekonomike // Daydzhest-Finansy. №22 (1). 2017. S. 4-18.
Ulyukaev A.V., Danilova E.O. Vneshniy dolg bankov kak istochnik finansirovaniya investitsionnoy strategii Rossii: riski i mekhanizmy regulirovaniya // Den gi i kredit. 2009. № 5. S. 14-23.
Eremina O.I., Morozkina M.S. Vliyanie krizisa 2014-2015 gg. na rossiyskiy rynok bankovskikh depozitov // Materialy KHKH nauchno-prakticheskoy konferentsii molodykh uchenykh, aspirantov i studentov natsional nogo issledovatel skogo Mordovskogo gosudarstvennogo universiteta im. N.P.Ogareva. Saransk. 2016. CH.3. S. 305-309.
Kozyr N.S., Tolstov N.S. Vliyanie klyuchevoy stavki na makroekonomicheskuyu stabil nost RF v period krizisa 2014 g. // Finansy i kredit. 2016. № 1 (673). S. 12-26.
Golodova ZH.G., Abakumova A.V. Vneshnie dolgi rossiyskikh bankov: sostoyanie i upravlenie v kontekste obespecheniya bezopasnosti bankovskogo sektora // Natsional nye interesy: prioritety i bezopasnost . 2011. № 30 (123). S. 46-51.
Sukharev A.N. Soderzhanie denezhno-kreditnoy politiki TSentral nogo banka RF v usloviyakh kolebaniya tsen na neft na mirovom rynke // Novaya nauka: problemy i perspektivy. 2016. № 6-1(85). S.240-242.
Inyutina E.N., Akhmetgalieva A.I. K voprosu o vliyanii mirovykh tsen na neft na kurs rublya // Problemy finansov, kredita i bukhgalterskogo ucheta v usloviyakh reformirovaniya ekonomiki. 2016. S. 85-88.
Avdeeva O.A., Rogoza I.S. Vliyanie tsena na mirovom rynke nefti na kurs rublya v 2014-2015 godakh // Sovremennyy vektor: mirovaya ekonomika, menedzhment i marketing. 2016. S. 17-23.
Magazov I.R. Faktory, vliyayushchie na pribyl nost kommercheskikh bankov (na primere PAO Sberbank ) // Vestnik nauki i obrazovaniya. 2018. № 3 (39). S. 50-56.
Alekhin B.I. Rynok roznichnykh depozitov // Ekonomicheskiy zhurnal. 2015. № 2 (38). S. 23-33.
