Systematic approach to the development of retail banking based on correlation-regression analysis

Guzel Faizova; Anna Silaeva

doi:10.12737/10795

SYSTEMATIC APPROACH TO THE DEVELOPMENT OF RETAIL BANKING BASED ON CORRELATION-REGRESSION ANALYSIS Systematic approach to the development of retail banking based on correlation-regression analysis

АА Аа

Published in Services in Russia and abroad · Volume 8, Issue 9 · Pages 46–55 · Rubric: Innovations in economic development

DOI: https://doi.org/10.12737/10795

Received: 19.04.2015 Accepted: 19.04.2015 Published: 19.04.2015 Language of publication: RUS

Authors

Guzel Faizova

Anna Silaeva

Guzel Faizova

Anna Silaeva

ABSTRACT

The crisis of financial globalization increases uncertainty, contributes to the emergence of new risks, so the strategy of development banks in the Russian regions, focused on domestic resources, should be formed on the basis of pre-calculable scenarios of socio-economic development for certain conditions. In banking activities are widely used various models based on the mathematical apparatus. The study shows the absence of works using econometric techniques to develop a methodical approach to the development of the retail banking business. The aim of the study is to assess the relationship between loans granted to non-financial organizations and individuals, and the amount of bank deposits / deposits volume / volume of deposits. The study used annual values of the variables for the period 01.01.2007-01.01.2013, for analysis were available 79 observations of official statistics of the Bank of Russia for each year. The article presents the methodological proposals to improve the retail banking business on the basis of regression analysis where identified are the relationships between the primary source of bank resources and the volume of lending in regional banking markets. The resulting form of relation of the retail banking business in the form of regression equations with multiple variables can be used as a banking methodology to evaluate the potential of credit institutions in the event of a recession or boom in the economy, as well as to predict and develop a strategy. Knowing the form of communication, it is possible to predict at what value will be raised lending activity, if the amount of deposits, for example, increases by only 1%, and to assess the potential of credit institutions in the event of a recession or boom in the economy.

KEYWORDS

retail banking, loans, bank resources, correlation and regression analysis

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GOST

Faizova G., Silaeva A. Systematic approach to the development of retail banking based on correlation-regression analysis // Services in Russia and abroad. 2015. no. 9. pp. 46-55. DOI: https://doi.org/10.12737/10795. (Date of access 05.11.2026).

MLA

Guzel Faizova, Silaeva A.. "Systematic approach to the development of retail banking based on correlation-regression analysis." Services in Russia and abroad 8.9 (2015): 46-55. DOI: https://doi.org/10.12737/10795.

APA

Faizova G., Silaeva A. (2015). Systematic approach to the development of retail banking based on correlation-regression analysis. Services in Russia and abroad, 8(9), 46-55. https://doi.org/10.12737/10795

Chicago

Guzel Faizova, Silaeva A.. "Systematic approach to the development of retail banking based on correlation-regression analysis." Services in Russia and abroad 8, no. 9 (2015): 46-55. https://doi.org/10.12737/10795.

WIKI

{{cite journal | author = Faizova G., Silaeva A. | title = Systematic approach to the development of retail banking based on correlation-regression analysis | journal = Services in Russia and abroad | year = 2015 | volume = 8 | issue = 9 | pages = 46-55 | doi = 10.12737/10795 }}

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SYSTEMATIC APPROACH TO THE DEVELOPMENT OF RETAIL BANKING BASED ON CORRELATION-REGRESSION ANALYSIS Systematic approach to the development of retail banking based on correlation-regression analysis

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