Keyword: «banks»

The article discusses the model of economic policy of the regional authorities of the Russian Federation, which is aimed at creating favorable conditions for loyal enterprises. Allocated administrative and economic factors driving and constraining economic activity of enterprises at the regional level.

In the article, the authors examined in detail the theoretical aspects of the organization of project financing. In particular, they give their definition of the project financing scheme, reveal the tasks of the project enterprises, formulate the directions of financial engineering in the field of project financing at macro and micro levels. The authors propose a scheme of project financing organization at the regional level on the principles of functional-network integration of participants.

The article discusses the regulation of credit relations by the government, changes in the discount rate of the Central Bank, as well as the level of operations in the open market and the variation in the norms of mandatory reserves for commercial banks in the country. Open market operations include the purchase and sale of certain types of securities by the Central Bank. There is a formation of a market interest rate on borrowed funds in the credit market. The decisions of creditors are directly proportional to the change in interest rates in the credit market. The very demand for a credit is already in inverse proportion to interest rates. Banks and the government can carry out regulation of interest rates. Financial institutions face various types of banking risks in their operations, which differ by various factors. Thus, the effectiveness of risk management is largely dependent on their classification. Risks in banking may lead to a loss of liquidity and lower profits, and therefore banks tend to anticipate risks and try to reduce them.

Mortgage lending is an important part of contemporary financial system. In recent years, Russia has experienced crisis in consumer market, including mortgage lending due to a number of external factors (sanctions, low oil prices) that had a negative impact on Russian national economy. Despite the increase in housing affordability for Russian citizens in recent years, modern Russian bank mortgages are still not widely available for people with low and middle incomes due to the high cost of housing, high credit ratios and high needs of borrowers. Authors believe that the solvent demand for mortgages can be increased through the development of collective savings institutions and cooperatives such as building savings banks, housing savings accounts, housing savings and housing construction cooperatives.

This article analyzes the prerequisites and opportunities for investment of the population, which recently began to offer many financial institutions due to the digitalization of the economy and the current market situation. In turn, both of these factors allowed to attract more people to the investment market, which positively affects the economy as a whole.