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Home / Journals / MOSCOW ECONOMIC JOURNAL / Volume 3 Issue 5-3 / AKTUAL'NYE VOPROSY SOVERShENSTVOVANIYa REGULIROVANIYa RYNKA VKLADOV NASELENIYa V ROSSII
AKTUAL'NYE VOPROSY SOVERShENSTVOVANIYa REGULIROVANIYa RYNKA VKLADOV NASELENIYa V ROSSII
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Citations:

AKTUAL'NYE VOPROSY SOVERSHENSTVOVANIYA REGULIROVANIYA RYNKA VKLADOV NASELENIYA V ROSSII
UDK 336.72 Сберегательное дело. Сберегательные кассы
Leonov Mihail Vital'evich 1
Authors:
1.  Izhevskiy gosudarstvennyy tehnicheskiy universitet imeni M.T. Kalashnikova

Type:
Article
DOI:
https://doi.org/10.24411/2413-046Х-2018-15100
Pages:
from 20 to 20
Status:
Published
Received:
07.12.2018
Accepted:
15.12.2018
Published:
25.12.2018
Subject area:
UDK 336.72 Сберегательное дело. Сберегательные кассы
Language:
English
Keywords:
retail deposit, banking regulation, interest rate policy, banking system of Russia
Abstract and keywords
Abstract (English):
The article discusses the instruments for economic, legal and organizational activities to improve the regulation of the retail deposit market to improve the efficiency and sustainability of the Russian banking system. Among the key problems that hindered the development of the market are information asymmetry, high transaction costs for investors, a method for determining the maximum deposit interest rate and a low level of insurance coverage. Based on the current analysis of the deposit market, the article proposes a change in the approach to deposit insurance in terms of increasing the maximum payments or phasing out, introduction of irrevocable deposits, improving the principles for setting maximum deposit rates, creating a universal electronic platform and imposing restrictions on the total amount of deposits attracted.

Keywords:
retail deposit, banking regulation, interest rate policy, banking system of Russia
Text
The article discusses the instruments for economic, legal and organizational activities to improve the regulation of the retail deposit market to improve the efficiency and sustainability of the Russian banking system. Among the key problems that hindered the development of the market are information asymmetry, high transaction costs for investors, a method for determining the maximum deposit interest rate and a low level of insurance coverage. Based on the current analysis of the deposit market, the article proposes a change in the approach to deposit insurance in terms of increasing the maximum payments or phasing out, introduction of irrevocable deposits, improving the principles for setting maximum deposit rates, creating a universal electronic platform and imposing restrictions on the total amount of deposits attracted.
References

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4. Demirguc-Kunt A., Kane E., Laeven L. Deposit insurance around the world: A comprehensive analysis and database //Journal of financial stability. 2015. T. 20. S. 155-183.

5. Ulichkina I. A. Bezotzyvnye vklady v rossiyskoy bankovskoy praktike: novye vyzovy i vozmozhnosti //Ekonomika i biznes: teoriya i praktika. 2018. №. 5-2. C. 16-22.

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7. Dal Colle A. The mechanics of commercial banking liberalization and growth //Journal of Banking & Finance. 2018. T. 86. S. 194-203.

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