AVERAGE PER CAPITA INCOME IN THE SYSTEM FOR MEASURING THE STABILITY OF CREDIT AND SAVINGS OPERATIONS OF THE RUSSIAN BANKING SYSTEM
https://doi.org/10.34020/2073-6495-2021-1-124-144
Abstract
One of the factors of stability of the banking system is the ratio of shares of deposits (deposits) and debt on loans of the population and organizations. The main idea of the study is the assumption that such stability is achieved by fulfilling the conditions of balance and dynamism of the subsystem of deposit and credit operations. The regularities of changes in the balance of shares of deposits (deposits) and debt on loans of the population and organizations and average per capita incomes of the population were revealed as an exogenous factor in the stability of the banking system of Russia during the period of 2001–2020.
About the Authors
V. V. Gamukin
Tyumen State University
Russian Federation
Russian Federation
PhD in Economics, Professor, Department of Economics and Finance
Tyumen
O. S. Miroshnichenko
Tyumen State University
Russian Federation
Russian Federation
Doctor of Economics, Professor, Department of Economics and Finance
Tyumen
References
1. Abdunazarova N.U., Chepel’ S.V. Povyshenie vklada bankovskoj sistemy v ustojchivost’ jekonomicheskogo razvitija. Rol’ social’nogo kapitala // Den’gi i kredit. 2016. № 6. P. 45–53.
2. Akramov T.R. Sistema strahovanija vkladov kak jelement obespechenija ustojchivosti bankovskogo sektora // Den’gi i kredit. 2013. № 6. P. 55–58.
3. Alikperova N.V. Dinamika investicionno-sberegatel’noj aktivnosti naselenija Rossii // Narodonaselenie. 2015. № 3 (69). P. 85–92.
4. Bogdanova T.V., Rusinov R.V. Jekonomicheskaja ustojchivost’ organizacij gruzovogo avtomobil’nogo transporta i metody ee opredelenija // Innovacii i investicii. 2013. № 5. P. 141–145.
5. Bulgakov V.N. Mnogokriterial’nyj vybor i dopustimye reshenija ustojchivo razvivajushhihsja promyshlennyh predprijatij // Biznes. Obrazovanie. Pravo. 2015. № 3 (32). P. 52–57.
6. Zemskov A.E. Analiz sostojanija i problem formirovanija material’nyh rezervov v regional’noj jekonomike // Transportnoe delo Rossii. 2012. № 6-1. P. 170–171.
7. Kanaev A.V., Kanaeva O.A. Ustojchivyj banking: konceptualizacija i praktika realizacii // Vestnik Sankt-Peterburgskogo universiteta. Jekonomika. 2019. T. 35. № 3. P. 448–479. DOI: 10.21638/spbu05.2019.306
8. Karpovich A.I., Nikiforova A.V., Poletajkin A.N. Opredelenie kategorii ustojchivosti v slozhnyh sociotehnicheskih sistemah // Vestnik Permskogo nacional’nogo issledovatel’skogo politehnicheskogo universiteta. Social’no-jekonomicheskie nauki. 2017. № 1. P. 147–163.
9. Kovalev A.P., Popov D.V. Povyshenie funkcional’no-strukturnoj ustojchivosti proizvodstvenno-kommercheskih setej // Organizator proizvodstva. 2013. № 1 (56).P. 18–22.
10. Kuz’minov A.N. Konceptual’naja model’ cenologicheskogo upravlenija v social’nojekonomicheskih sistemah // Terra Economicus. 2009. T. 7. № 2-2. P. 28–32.
11. Kurdjumov A.V. Teoretiko-metodologicheskie podhody k izucheniju ustojchivosti sistemy prodovol’stvennoj bezopasnosti // Teorija i praktika mirovoj nauki. 2017. № 11. P. 36–40.
12. Lebedeva N.Ju. Ustojchivyj banking v modeli ustojchivogo razvitija jekonomiki // Vestnik Severo-Osetinskogo gosudarstvennogo universiteta imeni K.L. Hetagurova. 2018. № 1. P. 121–124. DOI: 10.29025/1994–7720–2018–1–121–124
13. Mjachin Ju.V. Osnovy metodologii ustojchivosti predprinimatel’skih struktur // Omskij nauchnyj vestnik. 2012. № 4 (111). P. 56–60.
14. Purlik V.M. Biznes kak sistema // Gosudarstvennoe upravlenie. Jelektronnyj vestnik. 2015. № 48. P. 162–188.
15. Reus N.I. Kriterii funkcionirovanija SJeJeS PR: ustojchivoe razvitie i ego indicatory // Jekonomika ustojchivogo razvitija. 2013. № 1 (13). P. 217–221.
16. Sednev V.A. Tehnocenologicheskaja teorija: otdel’nye vyvody i sootnoshenija // Izvestija Rossijskoj akademii raketnyh i artillerijskih nauk. 2015. № 4 (89). P. 101–108.
17. Ushakova Ju., Kruglova A. Konkurencija v bankovskom sektore Rossii do i posle aktivizacii nadzornoj politiki: vyvody na osnove variacii i spreda procentnyh stavok // Den’gi i kredit. 2018. № 2. P. 22–50. DOI: 10.31477/rjmf.201802.22
18. Armstrong J., Mulligan N. Diving in the deep end of domestic deposits. Reserve Bank of New Zealand Analytical Notes. 2017. № AN 2017/05. P. 1–25.
19. Barberis N.C. Thirty Years of Prospect Theory in Economics: A Review and Assessment. Journal of Economic Perspectives. 2013. Vol. 27 (1). P. 173–196. DOI: 10.3386/w18621
20. Carè R. Sustainable Banking: Issues and Challenges. Palgrave Pivot. 2018. 158 p. DOI: 10.1007/978–3–319–73389–0
21. Carnevale C., Mazzuca M. Sustainability report and bank valuation: Evidence from European stock markets. Business Ethics: A E uropean Review. 2014. Vol. 23 (1). P. 69–90.
22. Kochaniak K. High value household deposits in the Eurozone: single post-crisis approach vs. national facts. Bank i Kredyt, Narodowy Bank Polski. 2016. Vol. 47 (6). P. 529–552.
23. Kuzminov A.N., Korostieva N.G., Dzhukha V.M., Ternovsky O.A. Economic Coenosis Stability: Methodology and Findings. Contemporary Studies in Economic and Financial Analysis. 2018. Vol. 100. P. 61–70. DOI: 10.1108/S1569-375920180000100008
24. Leroy A., Lucotte Y. Is there a competition stability trade-off in European banking? Journal of International Financial Markets, Institutions and Money. 2017. № 46. P. 199–215.
25. Mircea I. Is Sustainable Banking a Solution? Journal of Financial and Monetary Economics. 2014. Vol. 1. Iss. 1. P. 108–116.
26. Ordoñez G. Sustainable Shadow Banking. American Economic Journal: Macroeconomics. 2018. Vol. 10 (1). P. 33–56. DOI: 10.1257/mac.20150346
27. Schaeck K., Cihak M. Competition, efficiency and stability in banking. Financial management. 2014. № 43 (1). P. 215–241.
28. Vives X. Competition and stability in banking: The role of regulation and competition policy. Princeton, Oxford: Princeton University Press, 2016. 334 p.
Review
For citations:
Gamukin V.V., Miroshnichenko O.S. AVERAGE PER CAPITA INCOME IN THE SYSTEM FOR MEASURING THE STABILITY OF CREDIT AND SAVINGS OPERATIONS OF THE RUSSIAN BANKING SYSTEM. Vestnik NSUEM. 2021;(1):124-144. (In Russ.) https://doi.org/10.34020/2073-6495-2021-1-124-144
Email this article 
