Russian Federation
The article discusses the instruments for assessing the regulatory impact on the activities of commercial banks on the example of the retail deposit market. The author systematizes key tasks of banking regulation in this area as improving the welfare of depositors, maintaining competition in the financial market, preventing the processes of banking disintermediation, forming a stable funding base. In the main part of the article, quantitative indicators are formulated to assess the effectiveness of regulation and features of their use: differentiation of interest rates, the spread between interest rates and yield of debt securities, the net interest margin and the spread in interest rates on banks of various groups.
retail deposit, banking regulation, interest rate policy, banking system of Russia
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