+7 925 966 4690, 9am6pm (GMT+3), Monday – Friday
ИД «Финансы и кредит»

JOURNALS

  

FOR AUTHORS

  

SUBSCRIBE

    
Regional Economics: Theory and Practice
 

Development of methodological approaches to the formation of commercial bank's ratings by the quality of deposits of physical persons

Vol. 14, Iss. 5, MAY 2016

PDF  Article PDF Version

Received: 3 November 2015

Received in revised form: 2 February 2016

Accepted: 11 February 2016

Available online: 31 May 2016

Subject Heading: SCHOLAR DISPUTE

JEL Classification: G2

Pages: 188-200

Litvinova A.V. Volzhsky Institute for Humanities, Branch of Volgograd State University, Volzhsky, Volgograd Oblast, Russian Federation
litvinova_av@mail.ru

Litvinov E.O. Volzhsky Institute for Humanities, Branch of Volgograd State University, Volzhsky, Volgograd Oblast, Russian Federation
polaris_ltd@mail.ru

Parfenova M.V. Volzhsky Institute for Humanities, Branch of Volgograd State University, Volzhsky, Volgograd Oblast, Russian Federation
pvv_65@mail.ru

Subject The article deals with the analysis of non-credit ratings assigned to commercial banks and their products (services).
Objectives The paper aims to define a role, types and characteristics of non-credit bank ratings; analyze the results of the research and Russian practice in assigning non-credit ratings to commercial banks; identify problems that impede the development of non-credit ratings of commercial banks; develop new methodological approaches to determine the deposit-quality non-credit ratings of commercial banks.
Methods To achieve the objectives and substantiate theory and practical recommendations, we used the abstract-logical, analytical, comparative, and economic-statistical methods of research.
Results We have designed a method for calculating the deposit-quality rating of commercial banks, based on the application of a set of criteria that reflect the full range of the most important conditions for consumers of deposit opening and functioning, and calculation of the integral indicator, which determines an each bank's entire position in the highly competitive banking market in Russia.

Keywords: commercial bank, rating, deposits, individuals, quality, method, calculating, rankings

References:

  1. Karminskii A.M., Katyshev P.K., Pavlova E.N. [Regulation of rating activities: controlling and statistics]. Kontrolling = Controlling, 2015, no. 56, pp. 40–49. (In Russ.)
  2. Karminskii A.M., Trofimova E.V. [A role of ratings in the development of business processes of Russian banks]. Vestnik MGIMO Universiteta = Vestnik of MGIMO-University, 2012, no. 1, pp. 260–266. (In Russ.)
  3. Karminskii A.M. [A use of information of independent rating agencies to analyze the bank risks for the implementation of the Basel Accords]. Bankovskoe pravo = Banking Law, 2011, no. 6, pp. 53–59. (In Russ.)
  4. Vasilyuk A.A., Karminskii A.M. [Modeling of domestic banks' credit ratings on the basis of the Russian reporting]. Upravlenie finansovymi riskami = Management of Financial Risks, 2011, no. 3, pp. 194–205. (In Russ.)
  5. Kolesnikova V.S., Silkina G.Yu. [Use of internal ratings in credit risk management of a commercial bank]. Nedelya nauki SPbGPU: materialy nauchno-prakticheskoi konferentsii s mezhdunarodnym uchastiem [Proc. Sci. Conf. Science Week in SPbPU]. St. Petersburg, Peter the Great St. Petersburg Polytechnic University Publ., 2014, pp. 235–238.
  6. Pomorina M.A., Sineva I.S., Shevchenko E.S. [The use of rating models in the credit risk evaluation system]. Bankovskoe kreditovanie = Bank Lending, 2013, no. 5, pp. 32–38. (In Russ.)
  7. Shilkina D.D., Zaitseva T.V., Chumakova O.V. [Ratings of the efficiency of functioning of the banking sector]. Aktual'nye napravleniya nauchnykh issledovanii: ot teorii k praktike = Current Research Directions: From Theory to Practice, 2015, no. 4, pp. 312–314. (In Russ.)
  8. Gavrilovskaya S.V. [Credit rating as a source of information for the allocation of funds]. Akademicheskii vestnik TGAMEUP = Tyumen State Academy of World Economics, Management and Law, 2012, no. 2, pp. 232–238. (In Russ.)
  9. Smirnov S.N., Afonina S.G., Bogatyreva E.A. et al. [A comparison of the quality of national rankings of Russian banks]. Bankovskoe delo = Banking, 2010, no. 9, pp. 50–55. (In Russ.)
  10. Saribekian K. The Application of System of Internal Ratings in Assessment of Credit Risk of Long-Term Financing in Russian Banks. Economics, 2015, no. 1, pp. 55–58.
  11. Bambaeva N.Ya., Atabekyan R.A. [To the question of building a ranking of a commercial bank]. Nauchnyi vestnik MGTU GA = Scientific Herald of Moscow State University of Civil Aviation, 2011, no. 167, pp. 181–185. (In Russ.)
  12. Хотетовська О.Б. Особливості сучасних методик рейтингового оцінювання банківських установ за рівнем конкурентоспроможності. Статистика України, 2014, no. 1, pp. 10–15.
  13. Anuashvili N.A. [Methods for assessing the investment ratings and investment capacity of commercial banks]. Transportnoe delo Rossii = Transport Business of Russia, 2009, no. 4, pp. 54–59. (In Russ.)
  14. Koshelyuk Yu.M. [The use of ratings in the banking risk management]. Bankovskoe delo = Banking, 2007, no. 12, pp. 79–83. (In Russ.)
  15. Aristova E.M. [Ranking objects]. Vestnik Voronezhskogo gosudarstvennogo universiteta. Ser.: Sistemnyi analiz i informatsionnye tekhnologii = Proceedings of Voronezh State University. Series: Systems Analysis and Information Technologies, 2014, no. 2, pp. 51–56. (In Russ.)
  16. Gorbunova V.V. [Ratings of corporate governance is the basis of the evaluation of its quality]. Elektronnyi ekonomicheskii vestnik Tatarstana, 2013, no. 1, pp. 109–113. (In Russ.) Available at: Link.
  17. Servigny A., Renault O. Measuring and Managing Credit Risk. N.Y., McGraw-Hill Education, 2004, 388 p.
  18. Zvonova E.A. [Bank deposits as a main tool to accumulate savings in current conditions]. Ekonomika. Nalogi. Pravo = Economy. Taxes. Right, 2015, no. 1, pp. 27–36. (In Russ.)
  19. Bologov Ya.V. [On econometric approaches to the definition of a minimum level on interest-bearing demand deposits of the commercial bank]. Uchenye zapiski Orlovskogo gosudarstvennogo universiteta. Ser.: Gumanitarnye i sotsial'nye nauki = Scientific Notes of Orel State University. Series: Humanities and Social Sciences, 2014, no. 2, pp. 23–28. (In Russ.)
  20. Takushinova M.M., Rubezhnoi A.A. [Principles of development of the system of reimbursement guarantee on bank deposits]. Teoreticheskie i prikladnye aspekty sovremennoi nauki = Theoretical and Applied Aspects of Modern Science, 2014, no. 5-5, pp. 190–193. (In Russ.)
  21. Pechonik O.I. [Methodological approaches to solving the problem of guaranteeing bank deposits]. Ekonomika regiona = Economy of Region, 2006, no. 4, pp. 120–133. (In Russ.)
  22. Turbanov A.V. [Growth of insurance indemnity on bank deposits: a new step to protect the mass investor]. Den'gi i kredit = Money and Credit, 2006, no. 8, pp. 3–6. (In Russ.)
  23. Belozerov S.A. [Protection of bank deposits]. Uchenye zapiski Petrozavodskogo gosudarstvennogo universiteta. Ser.: Obshchestvennye i gumanitarnye nauki = Proceedings of Petrozavodsk State University. Social Sciences & Humanities, 2013, vol. 1, iss. 7, pp. 86–90. (In Russ.)
  24. Antonova A.N., Chzhan L. [To the question of the profitability of deposits]. Ekonomika i sovremennyi menedzhment: teoriya i praktika = Economics and Management: Theory and Practice, 2014, no. 40, pp. 72–79. (In Russ.)
  25. Tkachenko I.S., Evdokimova N.V. [Choosing a bank to place deposits using a hierarchy method]. Universum: ekonomika i yurisprudentsiya = Universum: Economics and Law, 2015, no. 11-12. Available at: Link. (In Russ.)
  26. Malkina M.Yu., Ivanova A.Yu. [Consumer's choice in the market of bank deposits in modern Russia]. Vestnik Nizhegorodskogo universiteta im. N.I. Lobachevskogo = Vestnik of Lobachevsky University of Nizhny Novgorod, 2007, no. 2, pp. 223–226. (In Russ.)

View all articles of issue

 

ISSN 2311-8733 (Online)
ISSN 2073-1477 (Print)

Journal current issue

Vol. 22, Iss. 3
March 2024

Archive