FEATURES OF THE FINANCIAL AND LEGAL STATUS OF BANKS WITH A BASIC LICENSE
( Pp. 176-181)

Currently, the Russian banking system has undergone reforms, this determines the need for a scientific understanding of the division of banks into banks with a basic and universal license. Purpose of work it is a study of the features of the financial and legal status of banks with a basic license, in connection with which the following elements are distinguished tasks: to consider the formation of the Russian banking system at the current stage; to study the features of the financial and legal status of the basic banking license; to get acquainted with the difference between banks with universal and basic licenses; to determine the prospects for the development of the Russian banking system in the transition to proportional regulation. The methodological framework the research consisted of both General scientific methods and special legal methods. Results: the study of the financial scientific approach-legal regulation of the author's position, allowing the Bank of Russia to determine the prospects for the development and development of the banking system. Conclusions: the application of financial and legal regulation of the banking system in the form in which it is applied by the legislator will inevitably strengthen the role of large banks and increase financial resources in a narrow circle of the banking sector. The influence of the state is growing on the work of banks, which indicates the need to strengthen the state's responsibility for mistakes in decision-making concerning the development and strengthening of the banking system. Supporting banks of systemic importance at the expense of the budget, the state must justify the feasibility and effectiveness of decisions.

Bishel A.O., (2019), FEATURES OF THE FINANCIAL AND LEGAL STATUS OF BANKS WITH A BASIC LICENSE. Economic Problems and Legal Practice, 6 => 176-181.

Federal nyy zakon ot 02.12.1990 № 395-1 (red. ot 26.07.2019) O bankakh i bankovskoy deyatel nosti // Rossiyskaya gazeta. - № 27. - 10.02.1996.
Federal nyy zakon ot 01.05.2017 № 92-FZ O vnesenii izmeneniy v otdel nye zakonodatel nye akty Rossiyskoy Federatsii // Rossiyskaya gazeta. - № 94. - 03.05.2017.
Federal nyy zakon ot 10.07.2002 № 86-FZ (red. ot 02.08.2019) O TSentral nom banke Rossiyskoy Federatsii (Banke Rossii) (s izm. i dop., vstup. v silu s 01.10.2019) // Rossiyskaya gazeta. - № 127. - 13.07.2002.
Federal nyy zakon ot 23.12.2003 № 177-FZ (red. ot 28.11.2018) quot;O strakhovanii vkladov v bankakh Rossiyskoy Federatsii quot; (s izm. i dop., vstup. v silu s 01.01.2019) // Parlamentskaya gazeta. - № 242-243. -31.12.2003.
Praktika vnedreniya Bazel skogo komiteta po bankovskomu nadzoru (Bazel III) v Rossiyskoy Federatsii / O.S Borisov, E. N. Kondrat / / pravovoe pole sovremennoy ekonomiki. - 2018. - № 3. - S. 122-134.
Vystuplenie G. Tosunyana na s ezde ARB-2017. - Elektron. tekst dan. - Rezhim dostupa: https://arb.ru/b2b/first person/vystuplenie g tosunyana na sezde arb 2017-10104528/ (data obrashcheniya: 01.11.2019). - Zagl. s ekrana.
Bazel skoe mezhdunarodnoe soglashenie II: soderzhanie i tseli protsessa monitoringa / M. V. Goncharova / / pravovaya paradigma. - 2017. - T. 16. № 1. - S. 158-164.
Goncharova, M. V. bazel skoe mezhdunarodnoe soglashenie II: chetyre printsipa protsessa monitoringa / M. V. Goncharova/ / byulleten Volgogradskogo gosudarstvennogo universiteta. Seriya 5, Sudebnaya Praktika. - 2016. - T. 15. № 4 (33). - S. 155-161.
Efimova, L. G. dlya obsuzhdeniya kontseptsii zakonoproekta o finansovom regulirovanii i provove (ili o sozdanii mnogourovnevoy sistemy L. G. Efimova / / Bankovskoe pravo. - 2017. - № 3. - S. 7-12.
Kokh, L. V. proportsional noe regulirovanie: za i protiv / L. V. Kokh, YU. V. Kokh / / uchenye-ekonomisty Peterburgskogo mezhdunarodnogo ekonomicheskogo foruma : sb. nauch. st. - SPb. : Izd-vo SPbGEU, 2017. - S. 28-37.
Mironova, S. M. munitsipal nye banki kak instrument razvitiya munitsipalitetov: finansovo-pravovye aspekty / S. M. Mironova / / biznes. Obrazovanie. Pravo. Byulleten Volgogradskogo instituta biznesa. - 2017. - № 3 (40).
Poslanie Prezidenta RF Federal nomu Sobraniyu ot 01.12.2016 / / Parlamentskaya gazeta. - 2016. - № 45.
Remezova, I. A. Osobennosti pravovogo polozheniya kreditnykh organizatsiy po zakonodatel stvu Rossii // Pravo: istoriya, teoriya, praktika: materialy V Mezhdunar. nauch. konf. (g. Sankt-Peterburg, iyul 2017 g.). - SPb.: Svoe izdatel stvo, 2017. - S. 22-25.
Rybakova, S. V. teoreticheskie osnovy regulirovaniya deyatel nosti kreditnykh organizatsiy kak sub ektov sovremennogo finansovogo prava / Svetlana Viktorovna Rybakova. - Saratov, 2014. - 603 s.
CHernikova, E. V. gosudarstvennoe pravovoe regulirovanie bankovskoy deyatel nosti v Rossiyskoy Federatsii (finansovo-pravovye aspekty): dis. d-ra yurid. nauk / CHernikova Elena Vadimovna. - M., 2019. - 432 s.

Central Bank of the Russian Federation, banking system, financial system, banking legislation, financial and legal regulation, banks with basic license, banks with universal license.