{"title":"Analysis of Regional Transformations in the Russian Banking System","authors":"D. Domaschenko","doi":"10.21686/2073-1051-2023-1-138-152","DOIUrl":null,"url":null,"abstract":"Recent trends in changes in the institutional characteristics of the banking system of the Russian Federation at the regional level indicate a decrease in the total number of structural units. At the same time, the expansion of large federal players into the regions of the country continues through the optimization of the network of branches and additional offices. These processes do not affect the activity of the banking business in the field of lending to the population and other banking services. The trends of increasing credit indebtedness of individuals against the background of a decline in real wages in regions of Russian Federation pose a danger of deterioration in the quality of life. Simultaneously with the reduction in the number of regional offices by banks with foreign participation, there is an increase in the number of branches of banks of the largest Russian financial market brokers due to the rapid growth in the activity of private investors in the Russian stock market.","PeriodicalId":30952,"journal":{"name":"Perspectives on Federalism","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2023-03-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Perspectives on Federalism","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.21686/2073-1051-2023-1-138-152","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"Social Sciences","Score":null,"Total":0}
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Abstract
Recent trends in changes in the institutional characteristics of the banking system of the Russian Federation at the regional level indicate a decrease in the total number of structural units. At the same time, the expansion of large federal players into the regions of the country continues through the optimization of the network of branches and additional offices. These processes do not affect the activity of the banking business in the field of lending to the population and other banking services. The trends of increasing credit indebtedness of individuals against the background of a decline in real wages in regions of Russian Federation pose a danger of deterioration in the quality of life. Simultaneously with the reduction in the number of regional offices by banks with foreign participation, there is an increase in the number of branches of banks of the largest Russian financial market brokers due to the rapid growth in the activity of private investors in the Russian stock market.
期刊介绍：
Perspectives on Federalism is an Open Access peer-reviewed journal, promoted by the Centre for Studies on Federalism. This initiative follows the Bibliographical Bulletin on Federalism’s success, with an average of 15000 individual visits a month. Perspectives on Federalism aims at becoming a leading journal on the subject, and an open forum for interdisciplinary debate about federalism at all levels of government: sub-national, national, and supra-national at both regional and global levels. Perspectives on Federalism is divided into three sections. Along with essays and review articles, which are common to all academic journal, it will also publish very short notes to provide information and updated comments about political, economic and legal issues in federal states, regional organizations, and international organizations at global level, whenever they are relevant to scholars of federalism. We hope scholars from around the world will contribute to this initiative, and we have provided a simple and immediate way to submit an essay, a review article or a note. Perspectives on Federalism will publish original contributions from different disciplinary viewpoints as the subject of federalism requires. Papers submitted will undergo a process of double blind review before eventually being accepted for publication.
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