Quality of Life of the Russian Citizens: from Strategy of Development of the Banking Sector to Targeting

N. Sotnikov

doi:10.12737/12088

QUALITY OF LIFE OF THE RUSSIAN CITIZENS: FROM STRATEGY OF DEVELOPMENT OF THE BANKING SECTOR TO TARGETING Quality of Life of the Russian Citizens: from Strategy of Development of the Banking Sector to Targeting

АА Аа

Published in Management of the Personnel and Intellectual Resources in Russia · Pages 15–22 · Rubric: Social and personnel policy

DOI: https://doi.org/10.12737/12088

Received: 17.06.2015 Accepted: 17.06.2015 Published: 17.06.2015 Language of publication: RUS

Authors

N. Sotnikov

ABSTRACT

In modern conditions of one of cardinal problems of increasing of competitiveness of the Russian economy is the formation of strategic potential of the banking sector as most important element of financial branch. It is impossible to increase demand for the credits and profitability of banks in short terms against the worsening economic situation without the competitive monetary policy representing a component of economic policy of the state. The modern monetary policy in Russia is connected with change of a paradigm of development of the banking sector: from aspiration to expand banking business due to aggressive marketing technologies to improvement of quality of bank assets. The main strategic objectives of this sector are increasing of welfare of the population and ensuring the maximum employment. In article the analysis of influence of the tools of a monetary policy used by the Central Bank of Russia on quality of life of the Russian citizens is given. On the basis of the analysis of statistical data the conclusion is drawn that specifics of the Russian economy, discrepancy of external and internal conditions and insufficient development of the transmission mechanism cause objective need of transition from targeting of an exchange rate, inflation to targeting of quality of life of the Russian citizens. Targeting of quality of life has advantages before alternative strategy of a monetary policy.

KEYWORDS

quality of life, index of human development, strategy of development of the banking sector, monetary policy, targeting of quality of life.

Text

СТРАТЕГИЯ РАЗВИТИЯ БАНКОВСКОГО СЕКТОРА ЭКОНОМИКИ

Банковский сектор является важной частью экономики и затрагивает интересы большого количества юридических и физических лиц.

За 2006–2013 гг. в российском банковском секторе наблюдается медленная, но достаточно устойчивая тенденция консолидации банковского бизнеса, что способствует укрупнению российских банков, повышению уровня их капитализации и финансовой устойчивости. Так, число зарегистрированных Банком России кредитных организаций снизилось почти на 14%, в том числе банков — более чем на треть (рис. 1) [5].

Одновременно с сокращением числа кредитных организаций прослеживается позитивная тенденция к изменению банковских показателей — увеличению размера активов и капиталов банков (рис. 2). Так, зарегистрированный уставный капитал действующих кредитных организаций только за 2006–2013 гг. вырос почти в 4 раза [5]. Уставный капитал банков увеличивается как за счет дополнительной эмиссии акций, повышения их номинальной стоимости или капитализации части прибыли, дополнительных взносов участников кредитной организации, так и за счет вкладов третьих лиц и т.п.

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GOST

Sotnikov N. Quality of Life of the Russian Citizens: from Strategy of Development of the Banking Sector to Targeting // Management of the Personnel and Intellectual Resources in Russia. 2015. no. 3. pp. 15-22. DOI: https://doi.org/10.12737/12088. (Date of access 18.09.2026).

MLA

N. Sotnikov. "Quality of Life of the Russian Citizens: from Strategy of Development of the Banking Sector to Targeting." Management of the Personnel and Intellectual Resources in Russia 4.3 (2015): 15-22. DOI: https://doi.org/10.12737/12088.

APA

Sotnikov N. (2015). Quality of Life of the Russian Citizens: from Strategy of Development of the Banking Sector to Targeting. Management of the Personnel and Intellectual Resources in Russia, 4(3), 15-22. https://doi.org/10.12737/12088

Chicago

N. Sotnikov. "Quality of Life of the Russian Citizens: from Strategy of Development of the Banking Sector to Targeting." Management of the Personnel and Intellectual Resources in Russia 4, no. 3 (2015): 15-22. https://doi.org/10.12737/12088.

WIKI

{{cite journal | author = Sotnikov N. | title = Quality of Life of the Russian Citizens: from Strategy of Development of the Banking Sector to Targeting | journal = Management of the Personnel and Intellectual Resources in Russia | year = 2015 | volume = 4 | issue = 3 | pages = 15-22 | doi = 10.12737/12088 }}

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QUALITY OF LIFE OF THE RUSSIAN CITIZENS: FROM STRATEGY OF DEVELOPMENT OF THE BANKING SECTOR TO TARGETING Quality of Life of the Russian Citizens: from Strategy of Development of the Banking Sector to Targeting

СТРАТЕГИЯ РАЗВИТИЯ БАНКОВСКОГО СЕКТОРА ЭКОНОМИКИ

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