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On transition prospects to the Basel III requirements: possible changes in inter-bank competition and its effect on the stability of the country's banking system

Skorlupina Yu.O. Orel State University - Educational Scientific-Industrial Complex, Orel, Russian Federation ( yu_nauka@mail.ru )

Journal: Finance and credit, #30, 2014

The article points out that in connection with the increased attention to ensuring the sustainability of the Russian banking system, the problem of development of the inter-bank competition gains special relevance. The author discloses the relationships of competition with the stability of the banking system and gives attention to possible development of the situation in the banking sector of the Russian Federation in connection with the transition to the Basel III requirements. The author comes to a conclusion that this transition will undoubtedly affect the level of inter-bank competition of the country and stability of the banking system. The author emphasizes that adaptation to the requirements of Basel III will require carrying out of a number of long-term changes in the banking sector of the country.


On efficiency of delegating the powers for insurance payment administration to tax authorities

Davydova L.V. Orel State University, Orel, Russian Federation ( 1946@orel.ru )

Fedorova O.A. Orel State University, Orel, Russian Federation ( foaorel@mail.ru )

Skorlupina Yu.O. Orel State University, Orel, Russian Federation ( yu_nauka@mail.ru )

Journal: Finance and credit, #12, 2017

Importance The article addresses the reform of the system of insurance payment administration, and evaluation of efficiency of delegating the power for administration of insurance premiums from extra-budgetary funds to revenue authority.
Objectives The purpose is to identify merits and demerits of delegating the powers for administration of insurance premiums to the Federal Tax Service of the Russian Federation, to compare the transfer from the Uniform Social Tax to insurance payments, and to pool the insurance payments into a single contribution.
Methods We employ statistical methods to assess collectibility of insurance premiums and tax payments, and general scientific methods to highlight main benefits and burdens of the transition to the new system of insurance premiums administration.
Results The paper determines major strengths and weaknesses of the future transition to the changed system of insurance premiums administration, and quantifies the efficiency of the transition from the social tax to insurance premiums.
Conclusions and Relevance Based on the analysis of information on delegation of powers for insurance premiums administration from extra-budgetary funds to revenue authorities, the paper describes advantages and disadvantages benefits and shortcomings of the transition and underpins the predicted outcome.


An impact of social entrepreneurship on the financial security of the nation and economic growth

Davydova L.V. Orel State University named after I.S. Turgenev, Orel, Russian Federation ( 1946@orel.ru )

Fedorova O.A. Orel State University named after I.S. Turgenev, Orel, Russian Federation ( foaorel@mail.ru )

Skorlupina Yu.O. Orel State University named after I.S. Turgenev, Orel, Russian Federation ( yu_nauka@mail.ru )

Journal: National interests: priorities and security, #10, 2017

Importance The development and financial resources of socially-oriented businesses is a cornerstone for stabilizing the national economy and addressing relevant issues. Social business and its development aim to resolve multiple issues and create a socially-oriented State. Activities of socially-oriented entities ensure social security of the population, raise the financial literacy of people and businesses and develop the entrepreneurship nationwide. Social business becomes even more important under contemporary circumstances in the national economy, with the maintenance of employment and social stability being especially acute.
Objectives The research examines the role and purpose of social business in ensuring the national security and the way it can influence an economic growth in the unstable economy of Russia.
Methods Based on statistical and graphic methods, I explore the state and trends in social business in Russia in line with an analysis of its development in certain federal districts.
Results As the main outcome, I devise an improved mechanism for financing socially-oriented entities. Financial sources proceed from the banking sector and regional agencies for labor and employment.
Conclusions and Relevance Having analyzed the development trends of social business and its impact on the national security and economic growth, I substantiate the need to transform the financial mechanism for activities of social businesses.


Methods to assess the inter-bank competition in the Russian banking market

Skorlupina Yu.O. State University - Education-Science-Production Complex, Orel, Russian Federation ( yu_nauka@mail.ru )

Journal: Financial Analytics: Science and Experience, #5, 2015

Importance Despite a large number of researches devoted to the assessment of banking sector competition, the article's topic retains its relevance today. Most of analysis methods of competition provide loose results, while the changes happening in the banking sector of Russia (implementation of the Basel-III requirements, banks resolution, etc.) and the various external factors (for example, the imposition of the Western sanctions against Russia) can seriously affect the competition in the financial sector.
     Objectives The paper analyzes the main methods of the interbank competition evaluation, and determines advantages and shortcomings of their use.
     Methods I consider the direct estimation techniques on the basis of calculation of the Lerner Index, Panzar-Ross Model, and Bresnahan Model, Mason paradigm, and concentration indices. An individual unit of study focuses on factors that have an impact on the banking sector competition. I underline the importance of the research goal: not only properly select a method by which one can get an adequate assessment of competition between market participants, but also it is necessary to take into account the maximum number of aspects that could be reflected in the financial sphere.
     Results I conclude that the evaluation of competition in the Russian modern banking market is a very difficult problem because the market is experiencing a difficult stage of development.
     Conclusions and Relevance While analyzing the competition, it is necessary to consider the influence of various, often multidirectional, external and internal factors, which impact the situation developing in the banking sector. Because of that, competition should be evaluated taking into account the specifics of each particular bank while assessing the situation evolving in the country and in the world, in general.


On ensuring the banking sector's stability under sanctions to attain financial security

Fedorova O.A. State University - Education-Science-Production Complex, Orel, Russian Federation ( foaorel@mail.ru )

Skorlupina Yu.O. State University - Education-Science-Production Complex, Orel, Russian Federation ( yu_nauka@mail.ru )

Journal: National interests: priorities and security, #16, 2015

Importance Whereas the Russian economy is undergoing a crisis, the national banking sector demonstrates unstable performance, and the leading scientists and analysts pay great attention to the ways of reaching the national security, it is very relevant and reasonable to consider the matter of ensuring the banking sector stability, concurrently with financial security.
     Objectives The objective of the research is to examine how the banking sector and its condition influence the process of ensuring Russia's financial security, and to identify approaches to sustaining the banking sector stability and reaching the financial security. The research pursues the following tasks: to find the relation between the banking sector stability and financial security of the State; to analyze the current position of the banking sector; to elaborate steps for detecting hazardous situations in the banking sector in order to ensure its stability and reach the financial security of the State.
     Methods Using statistical methods, we reviewed the position of the Russian banking sector. We determine a set of leading indicators that may be considered as early warning for the banking system to detect crisis threats beforehand and ultimately ensure the financial security.
     Results We find how the banking system stability and financial security of Russia relate to each other. We prove that the current position of the Russian banking sector cannot be qualified as stable and sustainable, and figure out that the leading indicators are the main tool to spot crisis situations in the banking sector.
     Conclusions and Relevance We conclude that the system of leading indicators can serve as an early warning mechanism to signal a crisis arising in the banking system and therefore to prevent it, ensuring the banking sector stability and financial security of the State.


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