Subject. This article discusses the quality and accessibility of financial services, and the development of the financial market as a whole. Objectives. The article aims to determine the factors affecting the prospects for the development of the behavioral supervision system in Russia. Methods. For the study, I used the methods of comparative, structural, and hierarchy analyses, and the expert assessment method. Results. The article describes the key factors influencing the determination of strategic directions for the development of the behavioral supervision system in Russia. Conclusions. The development of a behavioral supervision system involves taking into account a variety of factors of the external and internal environment. The social component of the behavioral supervision system is of paramount importance.
Keywords: finances, participants, supervision, behavioral supervision, development directions
References:
Lauts E.B. [Behavioral supervision and the system of banking regulation and supervision]. Zakony Rossii: opyt, analiz, praktika, 2021, no. 4, pp. 66–72. (In Russ.)
Pirogova T.V., Selivanova M.A. [Behavioral supervision in the Russian Federation: formation and analysis of development in insurance]. Sibirskaya finansovaya shkola = Siberian Financial School, 2022, no. 2, pp. 104–113. (In Russ.) URL: Link
Shkolik O.A. [Features of supervision and control in financial markets from the perspective of the categories ‘financial service’ and ‘financial organization’]. Rossiiskii ekonomicheskii internet-zhurnal, 2021, no. 4. (In Russ.) URL: Link
Kuznetsova Yu.A. [Review of foreign practice of behavioral supervision in the financial sector]. Aktual'nye voprosy sovremennoi ekonomiki, 2021, no. 3, pp. 71–77. (In Russ.) URL: Link
Vakhrushev D.S., Sokolova D.V. [Unfair practices in the implementation of insurance services by banks and ways to counteract them]. Vestnik Tverskogo gosudarstvennogo universiteta. Seriya: Ekonomika i upravlenie = Bulletin of Tver State University. Series: Economics and Management, 2022, no. 4, pp. 200–209. (In Russ.) URL: Link
Nuijts W., De Haan J. DNB Supervision of Conduct and Culture. In: Kellermann A., De Haan J., De Vries F. (eds) Financial Supervision in the 21st Century. Berlin, Heidelberg, Springer, 2013, pp. 151–164. URL: Link
Jansen D.J., Mosch R.H.J., Van der Cruijsen C.A.B. When Does the General Public Lose Trust in Banks? Journal of Financial Services Research Article, 2015, vol. 48, iss. 2, pp. 127–141. URL: Link
Jones G.H., Jones B.H., Little P. Reputation as Reservoir: Buffering Against Loss in Times of Economic Crisis. Corporate Reputation Review, 2000, vol. 3, iss. 1, pp. 21–29. URL: Link
Mamuta M.V., Tsyganov A.A., Yazykov A.D. [Protecting the rights of consumers of financial services in the system of mortgage lending]. EKO = ECO, 2021, vol. 51, no. 7, pp. 129–150. (In Russ.) URL: Link
Kuznetsova Yu.A. [Theoretical aspects of the study of behavioral supervision in the financial market]. Finansovye rynki i banki = Financial Markets and Banks, 2021, no. 2, pp. 68–73. URL: Link (In Russ.)
Mikheeva I.V., Dolkova E.A. [Behavioural supervision of the Bank of Russia in protection of financial services consumers' rights]. Vestnik Rossiiskogo universiteta druzhby narodov. Seriya: Yuridicheskie nauki = RUDN Journal of Law, 2020, vol. 24, no. 2, pp. 314–334. (In Russ.) URL: Link
Sannikova L.V. [Behavioural supervision formation in Russia]. Den'gi i kredit = Russian Journal of Money & Finance, 2017, no. 10, pp. 51–56. URL: Link (In Russ.)
Mironov V.Yu. [Behavioral supervision as an actual direction of development of a risk-based approach in banking supervision]. Voprosy rossiiskogo i mezhdunarodnogo prava = Matters of Russian and International Law, 2023, vol. 13, iss. 4A, pp. 229–234. URL: Link (In Russ.)
Agafonov M.N. [Legal policy of the Bank of Russia in the field of behavioral supervision]. Pravovaya politika i pravovaya zhizn', 2023, no. 3, pp. 239–251. URL: Link (In Russ.)
Vakhrushev D.S., Sokolova D.V. [Opportunistic behavior of banks in the retail products market and current trends in the development of behavioral supervision]. Innovatsionnoe razvitie ekonomiki = Innovative Development of Economy, 2022, no. 6, pp. 150–156. URL: Link (In Russ.)
Avis O.U. [Actual issues of banking ethics and the tasks of its integration into the control system credit institutions]. Finansovye rynki i banki = Financial Markets and Banks, 2018, no. 3, pp. 68–71. URL: Link (In Russ.)
Veys E.V., Starikova P.G. [Changes in the mechanism of consumer protection]. Derzhavinskii forum = Derzhavin Forum, 2022, vol. 6, no. 3, pp. 563–571. (In Russ.) URL: Link
Rodin D.Ya., Chitao D.Yu. [Problems of effective development of regulation and supervision in the context of digitalization]. Aktual'nye voprosy sovremennoi ekonomiki, 2023, no. 11, pp. 57–65. (In Russ.) URL: Link
Dolkova E.A. [Digitalization of financial services and behavioural supervision of Bank of Russia: development of legislation]. Zakonodatel'stvo, 2023, no. 1, pp. 46–51. (In Russ.)
Sitnik A.A. [Behavioral finance in the digital economy]. Lex Russica, 2023, vol. 76, no. 4, pp. 106–114. (In Russ.) URL: Link
