Problems of development of the deposit market of Russia
https://doi.org/10.34020/1993-4386-2023-3-137-147
Abstract
This article analyzes the problems of the deposit market development related to the limited resource base of banks for long-term lending and investment in Russia. The conjunctural overview of the bank deposit market and ideas for its development are presented. The necessity of solving the problem of "long" money for the development of the real sector of the economy through the general growth of bank deposits of individuals and an increase in the share and duration of term deposits is substantiated. A solution is proposed to increase longterm resources by placing funds of individual pension savings in the banking system using a floating interest rate.
About the Author
P. A. Prodolyatchenko
Financial University under the Government of the Russian Federation (Krasnodar Branch)
Russian Federation
Russian Federation
Pavel A. Prodolyatchenko – Candidate of Economic Sciences, Associate Professor of the Department of Economics and Finance
References
1. Prodolyatchenko P. A. Transformation of a bank into a coalition of depositors, Rossiiskoe predprinimatel'stvo, 2009, No. 12, pp. 104-108. (In Russ.).
2. Zubov S. A. Deposits of the population in January-November 2021, Ekonomicheskoe razvitie Rossii, 2022, Vol. 29, No. 1, pp. 33-35. (In Russ.).
3. Prodolyatchenko P. A., Poplavskaya V. V. The use of floating interest rates in depositing, Moskovskii ekonomicheskii zhurnal, 2022, No. 5, pp. 498-508. DOI: 10.55186/2413046X_2022_7_5_288 (In Russ.).
4. Dornar Y. P. Zashchita bankovskikh vkladov fizicheskikh lits: sravnitel'no-pravovoi aspekt [Protection of Bank Deposits of Natural Persons: Comparative Legal Aspect], Minsk: Amalfeya, 2007, 244 p.
Review
For citations:
Prodolyatchenko P.A. Problems of development of the deposit market of Russia. Siberian Financial School. 2023;(3):137-147. (In Russ.) https://doi.org/10.34020/1993-4386-2023-3-137-147
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