Subject. The article investigates the potential of credit institutions. Objectives. The aim is to determine the potential of credit institutions in modern Russia. Methods. The study draws on general scientific methods, i.e. data analysis and synthesis, and special economic and mathematical methods, in particular, correlation and regression, neural network, and cluster analysis. Results. The potential of credit institutions in modern Russia is determined by the actions of the Bank of Russia to target inflation. The paper established a significant increase in the strength of credit institutions due to the growth of customer funds. Liquidity issues are addressed through advance excess of intraday loans provided by the Bank of Russia for the current month, capital in the balance sheet of credit institutions at the beginning of each month. To reduce the risk of monetary claims, the paper shows the actions of the Bank of Russia to ensure the transition of these relations to digital rights. Conclusions. The identified potential of credit institutions in modern Russia, characterized by an increase in their strength due to the growth of customer funds and intraday loans provided by the Bank of Russia, in the context of the transition of monetary claims to digital financial assets and utility digital rights, enable the expert community to competently determine the critical balance of credit institutions and the overall financial system.
Keywords: monetary claim, credit institution, critical balance, inflation targeting, digital right
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