scholarly journals Monitoring of Russian banking system in terms of digital transformation

2021 ◽  
Vol 273 ◽  
pp. 08087
Author(s):  
Gennady Buryakov ◽  
Elena Sysoeva
Keyword(s):  
Banking System ◽  
Transformation Process ◽  
Infrastructure Development ◽  
Technological Basis ◽  
Technology Platforms ◽  
Systems Identification ◽  
Low Efficiency ◽  
Transformational Development ◽  
Relationship Of ◽  
Credit Institutions

The main characteristics of modern financial and credit institutions are flexibility, ability to adapt to changes in conditions of risk and uncertainty. The process of adaptation may have low efficiency without intensive monitoring of financial and credit institutions’ operation in direction of improving their technological basis. The article is devoted to some aspects of monitoring directions of financial and credit institutions’ transformational development. The social environment acts as a final consumer of banking services and determines the features of the transformation process in the Russian Federation. The research results can be used in generalized form in managerial and financial environment to improve effectiveness of the infrastructure development based on informational and technology platforms. The main contribution of the research is to identify changes in the mechanism of relationship of managed and managerial systems, identification of modern communication tools, reasoning of emergence and development of social and economic directions of financial and credit institutions’ transformational development.

Critical Analysis of the Zero Risk Weight Privilege for European Sovereign Debt in Light of Art. 124 TFEU

2020 ◽  
Vol 17 (1) ◽  
Author(s):  
Patrick Hauser
Keyword(s):  
Financial Institutions ◽  
Sovereign Debt ◽  
Banking System ◽  
Financial System ◽  
Significant Risk ◽  
Capital Adequacy ◽  
Individual Member ◽  
Member States ◽  
The Individual ◽  
Credit Institutions

AbstractThe zero risk weight privilege for European sovereign debt in the current capital adequacy requirements for credit institutions incentivises credit institutions to acquire and hold sovereign debt. However, it also poses a significant risk to the stability of the banking system and thus the financial system as a whole. It is argued that this privilege should not only be abolished due to the risk it entails but that it is also non conformant with EU primary law. Art. 124 TFEU prohibits privileged access of the EU and Member States' public sector to financial institutions except for prudential considerations. The protective purpose of Art. 124 TFEU to ensure sound budgetary policies by subjecting public borrowing to the same rules as borrowing by other market participants is thwarted by the uniform zero risk weight privilege. Further, as this privilege does not take into account the varying creditworthiness of the individual Member States it does not promote the soundness of financial institutions so as to strengthen the soundness of the financial system as whole, but rather endangers systemic stability. The zero risk weight privilege is therefore not based on prudential considerations and hence violates Art. 124 TFEU.

THE ROLE OF PAYMENT INSTRUMENTS IN THE ACTIVITIES OF CREDIT INSTITUTIONS OF THE RUSSIAN BANKING SYSTEM

2021 ◽  
Vol 3 (12) ◽  
pp. 43-47
Author(s):  
Lana V. Kulumbegova ◽  
Keyword(s):  
Banking System ◽  
Payment System ◽  
The State ◽  
Payment Instruments ◽  
Important Means ◽  
Credit Institutions

Payment instruments act as the most important means used in the implementation of transfers of funds and payments within the framework of the national payment system of Russia. The existing variety of instruments generally satisfies the needs of customers of credit institutions; however, it is necessary to conduct constant monitoring of indicators characterizing the state and development of the payment sector in Russia in the context of the payment instruments used.

scholarly journals Relationship of Participative planning, Planning Alignment and Regional Development Performance: Evidence from Special Region of Yogyakarta

2021 ◽  
Vol 1 ◽  
pp. 49-56
Author(s):  
Andilo Toham ◽  
Ernan Rustiadi ◽  
Bambang Juanda ◽  
Rilus Kinseng
Keyword(s):  
Regional Development ◽  
Community Participation ◽  
Local Governments ◽  
Spatial Planning ◽  
Planning Process ◽  
Development Planning ◽  
Participatory Planning ◽  
Infrastructure Development ◽  
Human Resource Capacity ◽  
Relationship Of

Participatory planning is a necessity. Unfortunately, participatory planning has various problems that make it ineffective. Human resource capacity as an input factor for participatory planning is still inadequate. The participatory planning process has not optimized the best way of producing the outputs that are needed by the community. Spatial aspects of planning, activities in the space, and budgeting must be aligned. However, empirical facts show the inconsistency of development planning. The purpose of this study is to analyze the relationship between community participation in planning and regional development performance through spatial planning, development, and budget planning alignment, as the mediating variable. This study explore measurement of all three variables using quantitative indicators. The results of this study, using SEM PLS, indicate that the direct relationship of community participation and the performance of infrastructure development is significant if it does not include the mediation variable.  Process, results of participatory planning, alignment of spatial and development plans, and alignment of strategic plans with work plans are significant variables. Therefore, local governments need to make efforts to improve participation processes in spatial planning and development so as to improve the regional development planning alignment and performance

scholarly journals Analysis of Internal and External Determinant Variables towards Profitability of Islamic Banking in Indonesia (2014-2020)

2021 ◽  
Vol 4 (1) ◽  
pp. 18-34
Author(s):  
Febri Ramadhani ◽  
Muhammad Rizkan
Keyword(s):  
Negative Relationship ◽  
Banking System ◽  
Islamic Banking ◽  
Correction Model ◽  
Factors Affecting ◽  
Vector Error Correction ◽  
Vector Error ◽  
Long Run ◽  
Short Run ◽  
Relationship Of

Indonesia is a country that adheres to a dual banking system, namely conventional and Islamic Banking. The growth rate of Islamic banking in the last three years is higher than conventional banking. However, in total assets, Islamic banking is still far behind conventional banking. Therefore, it is necessary to study further the performance of Islamic banking reflected in its profitability. So, it becomes an alternative input in determining Islamic banking policies. This study aims to know the factors affecting the profitability (ROA) of Islamic Banking in Indonesia. The data used are the 2014-2020 monthly data in the amount of 79 data. The method used in this study is a Vector Error Correction Model (VECM) to determine the effect of long-run and short-run relationships. The results of the study showed that the long-run relationship of the NPF variable affected and was significant positive toward ROA, CAR affected and was significant negative toward ROA, while the inflation variable had a negative relationship and not significant toward ROA. The results of the short-run relationships showed that the NPF and CAR variables positively affected ROA, while the inflation variable did not significantly affect the ROA.

Fragility of the Spanish Banking System and Financial Exclusion

2019 ◽  
pp. 69-91 ◽  
Author(s):  
Begoña Alvarez García ◽  
José Pablo Abeal Vázquez
Keyword(s):  
Real Estate ◽  
Business Strategy ◽  
Banking System ◽  
Transformation Process ◽  
Social Changes ◽  
The Real Estate ◽  
Real Estate Bubble ◽  
Financial Exclusion ◽  
The Social ◽  
Major Transformation

Since the outbreak of the financial crisis in 2007, Spain entered a period of wide-ranging economic and social changes. Spanish financial institutions have been implicated in the real-estate bubble, and they were highly exposed to uncertainty and the steady decline of real estate businesses. As a result, the Spanish banking system has undergone a major transformation process. It has been necessary to restructure many institutions, so today the sector is smaller, and it has been forced to rethink its business strategy to survive. The social cost of all these changes has been particularly high, and financial exclusion has increased in Spain from the beginning of the crisis. This chapter shows the changes that have taken place in the Spanish banking system from the beginning of the crisis, the social implications ensued, and the challenges currently faced by the new banking industry that has emerged since the crisis.

scholarly journals Bank Competition, Efficiency, and Stability in Macau

2019 ◽  
Vol 8 (4) ◽  
pp. 157
Author(s):  
Harry Xia ◽  
Kevin Lei ◽  
Jiaochen Liang
Keyword(s):  
Economies Of Scale ◽  
Banking Sector ◽  
Banking System ◽  
Bank Loans ◽  
Bank Competition ◽  
Income Volatility ◽  
Bank Efficiency ◽  
Insolvency Risk ◽  
Relationship Of ◽  
The Relationship

Macau has the uppermost population density and the fourth-highest GDP per capita in the world. Macau’s banking system is regarded as one of the most important indicators of Macau’s macroeconomic growth and stability during its transformation into a wealthy and modern metropolis. In this study, we use a sample of 26 banks to explore the relationship of bank competition, efficiency and stability in Macau from its return to China in 1999 to 2016. Our results demonstrate that bank competition does cause efficiency in Macau throughout the study period. We also find indications of a positive but not significant connection between bank market power and bank fragility including income volatility and insolvency risk. Moreover, this study finds no evidence that the size of operations proxied by total bank loans and total assets would impact bank efficiency, indicating that economies of scale or bank market share don’t necessarily bring about efficiency in Macau. Our evidence contributes to the literature by being the first to thoroughly examine the relation of bank competition, efficiency and stability in Macau. The findings provide meaningful implications to the practitioners and policymakers to make sound decisions accordingly, especially to closely monitor and maintain a proper level of competition in Macau’s banking sector.

The Great Sinner, the Harlot and the Eternal Book: The Genre of the Romance as Plot and Textual Motif in Dostoevsky’s Crime and Punishment in Comparison with Hawthorne’s Scarlet Letter

2019 ◽  
Vol 20 (1) ◽  
pp. 32-54
Author(s):  
Géza S. Horváth
Keyword(s):  
Transformation Process ◽  
Scarlet Letter ◽  
Crime And Punishment ◽  
New Jerusalem ◽  
The Common ◽  
Relationship Of ◽  
Critical Literature

The paper analyzes the various parallels of plot and text in Dostoevsky’s Crime and Punisment (1866) and Hawthorne’s Scarlet Letter (1850). Similarity of motifs in these novels has already been noticed in the critical literature but more detailed research is still lacking. In this paper, it is claimed that Hawthorne’s novel provided Dostoevsky not only with the material for certain narrative situations, motifs and characters in Crime and Punishment but also influenced the heterogeneity and complexity of the genre in Dostoevsky’s novel. To illuminate this relationship of the two novels, the article examines the characteristics of the genre of romance, the eschatological plot of revelation and the apocalyptic imagery proper to the romance. The study is focused on the common metaphorical basis of the two texts, such as the biblical and mythical semantics of the motifs of New Jerusalem, pearl, treasure etc., which circumscribes the transformation process in the correspondence of tresaure and word, letter and text.

scholarly journals PROBLEMS OF TRANSPORT INFRASTRUCTURE AND RECOMMENDATIONS FOR ITS RECONSTRUCTION IN THE CONDITIONS OF A MODERN CITY (ON THE EXAMPLE OF THE CITIES OF THE REPUBLIC OF CRIMEA)

2021 ◽  
pp. 27-36
Author(s):  
V. V. Zhivitsa ◽  
E. N. Privalova ◽  
E. N. Privalova
Keyword(s):  
Urban Environment ◽  
Transport Infrastructure ◽  
Infrastructure Development ◽  
Modern Cities ◽  
The World ◽  
The Crimea ◽  
The Republic ◽  
Relationship Of ◽  
The Relationship

The article deals with the problem of transport infrastructure development in modern cities. The relationship of mass motorization with the quality of the urban environment and the development of the transport framework is analyzed. Examples of the modernization of the transport system and the humanization of the urban environment from the world urban planning practice are given. The authors formulated a number of recommendations for the reconstruction of the transport infrastructure on the example of the Crimea.

scholarly journals Internet banking is a saving time in the XXI century

2020 ◽  
pp. 41-44
Author(s):  
Olena ZHAM ◽  
Yuliia PYROZHENKO
Keyword(s):  
Mobile Applications ◽  
Financial Institution ◽  
Banking System ◽  
Internet Banking ◽  
Modern World ◽  
High Tech ◽  
The Internet ◽  
Time Saving ◽  
Banking Development ◽  
Credit Institutions

The paper is devoted to the interpretation, analysis, history of Internet banking development. Several options of technological side development of financial and credit institutions are considered: mobile applications, POS-terminals, terminals for cashless payments. The current state of development of the Internet banking system in Ukraine is also indicated, the advantages of remote customer service are explained, statistics are given. The development of financial relations, a significant breakthrough in technology in recent years, the emergence of plastic payment cards, the improvement of the Internet - all this has given a great impetus to financial institutions, their cooperation with customers, improved service. The new generation of banking allows to improve the work not only of financial and credit institutions, but also of clients. This scientific research deserves attention and is relevant in today's conditions. In the XXI century, the question of the importance of time and efficiency of its use becomes very relevant. Thus, the banking system of Ukraine allows people to use as little time as possible to solve important issues, such as: payment for utilities, purchase of tickets for any transport, transfer of funds to the card, replenishment of mobile account, interest on the loan and more. In today's world, internet banking is one of the main ways to solve personal financial issues as quickly as possible and at any time. These are not only self-service terminals, but also special sites of banks, mobile applications. In Ukraine, state-owned banks, as well as almost every commercial financial institution allows its customers to solve any issues via the Internet. Thus, with the help of the mobile application you can take a loan, invest money in a deposit, pay for utilities, transfer money to another account or replenish the account of a mobile operator, etc. Internet banking is convenience, efficiency and time saving. In this regard, an important area of development of Ukrainian banks is the development, implementation and development of high-tech remote service. The market of online banking in Ukraine is actively moving forward, but modern world trends are creating areas for further improvement. The popularity of remote banking motivates the study of theoretical and practical aspects of its implementation and operation, which indicates the relevance of the issues addressed in this paper.

scholarly journals BANKS OF THE CASPIAN REGION COUNTRIES IN THE BANKING SYSTEM OF RUSSIA: CURRENT TRENDS AND DEVELOPMENT PROBLEMS

2019 ◽  
Vol 8 (3) ◽  
pp. 7-28
Author(s):  
Olga Viktorovna Bogacheva ◽  
Oleg Alekseevich Lepekhin
Keyword(s):  
Global Economy ◽  
Banking Sector ◽  
Balance Sheet ◽  
Banking System ◽  
Operating Efficiency ◽  
Caspian Region ◽  
Banking Systems ◽  
Internalization Process ◽  
Business Entities ◽  
Credit Institutions

The mutual penetration of capital from one country into another has become a characteristic feature of the world financial system. This is largely due to the current globalization processes in the global economy, the continuous development of banking technologies, the need to maintain foreign economic activity of business entities and the rationale for expanding the scales of business activity as a tool to increase operating efficiency. The purpose of the article is to study the current internalization process in the banking systems of the Caspian region countries in terms of the penetration of the banks from the Caspian region countries into the Russian banking sector. Methodology. We have identified the sample of the Russian credit institutions fully controlled by the shareholders from the Caspian region states. Using the data, presented in turnover balance reports (Form 101), we have calculated key performance indicators in 2015–2018. We used the Bank of Russia’s practice to estimate the aggregate balance sheet of the 30 largest credit institutions as the basis for our algorithm. We have analyzed tendencies in funding base, structure of assets and operating efficiency. Results. The analysis of the financial statements shows that within the chosen business model, the banks of the sample are more likely to focus on international financial settlements, servicing foreign trade transactions, than on traditional types of banking business such as lending to non-financial enterprises and individuals. Their performance is significantly lower than the industry benchmarks, which so far does not allow us to expect an increase in their scale of presence in the Russian market in the near future. Practical implications. The analysis of current processes in the field of internationalization of banking systems can be used to assess the financial and economic integration of the countries of the Caspian countries and to develop corrective measures aimed at its further development and deepening.

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