Zakergaeva K.M.Dagestan State University (DSU), Makhachkala, Republic of Dagestan, Russian Federation Zakergaevar@mail.ru ORCID id: not available
Isaeva P.G.Dagestan State University (DSU), Makhachkala, Republic of Dagestan, Russian Federation isaevapatimat@rambler.ru ORCID id: not available
Subject. The article focuses on the lending system in the banking sector of Russia. Objectives. We examine and set priorities for modernizing the Russian lending system in the current circumstances. Methods. The article represents the statistical analysis of macroeconomic developments, estimates of the banking sector performance. Results. We indicate what the financial system shall mainly address and how banking resources can increase their contribution to the socio-economic development of the territory. The financial position of customers shall be evaluated on the differential basis, considering the industrial specifics of their business, inter alia, for making loan and similar reserves, imposing less strict requirements to additional information on borrowers. Conclusions and Relevance. Macroprudential regulation is one of the most important and extensive objectives to improve the financial market in Russia. The mandatory centralized clearance seems promising with respect to OTC derivatives if viewed by assessing the economic motivation for using the clearance that involves the central counterpart, as compared with bilateral deals. The actions are supposed to positively influence the development of the national economy. The findings can be used to examine development trends in the Russian banking sector.
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