On the Perspectives of Changing the Landscape of the Russian Banking System: Who Will Win?
Yu.S. Ezrokh
Novosibirsk State University of Economics and Management
Keywords: госбанки, реструктуризация банковской системы, монополизация банковского сектора, монополия в банковской сфере, State-owned banks, restructuring of the banking system, monopolization of the banking sector, monopoly in the banking sector
Abstract
The article substantiates that the Bank of Russia’s position on the functioning of the institution for the rehabilitation of commercial banks is a significant factor in changing the structure of the domestic banking system at the present stage. The possible change in the landscape of the banking system within the framework of the three main options for the regulator’s actions is defined: financial recovery: a) system-forming banks; b) large and medium-sized banks; c) all types of banks. The following is proved: a) the inevitability of strengthening the degree of monopolization of the banking sector in any case; b) the possibility of reducing the negative effect when using a combination of “hard” and “soft” mechanisms, the main directions of which are determined for the first time.
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