On the issue of the development of the regulatory framework for ensuring the financial stability of the deposit insurance and pension savings system in the Russian Federation

Abstract

The article examines the regulatory framework for ensuring the financial stability of the national deposit insurance system, its modern structure, highlights the problems and prospects for development. The purpose of this study is to substantiate the need to develop the regulatory framework for the functioning of the deposit insurance system, ensuring an increase in its financial stability. Based on the results of the study: the need to clarify the terminological apparatus of the application of regulatory legal acts in the field of the organization of the insurance system in connection with the inclusion of funds of non-state pension funds in the part of voluntary pension funds (2022) and formed pension rights within the funded part of the pension for compulsory pension insurance (2014) is justified; the criteria of the nature of the financial condition of financial institutions participating in the deposit insurance and pension savings system, as well as their weight values used to clarify the size of differentiated contributions for the formation of insurance funds, are proposed; the need for the introduction of regulatory monitoring of financial stability in order to form tariff requirements for participants in the deposit insurance and pension savings system – banks and non–state pension funds is substantiated.