Scientific Journal of KubSAU

Economic crisis is an integral part of a reproduction cycle of modern economy. Their consequences show both positive and negative influence on functioning of certain subjects and economy in general. In the article the methods of crisis management of enterprises, influence of government bodies on reproduction transformations, possibility of use of foreign experience in the Russian practice of crisis management are considered. The authors have developed the mechanism of anti-recessionary management for companies of the regional economy

The article has positioned conceptual approach of land - mortgage lending by the state influence on the management processes of the financial mechanism of satisfaction agricultural finance and credit services. The authors developed a model of organizational and financial mechanism state support of the landmortgage lending, contributing to increasing the availability of investment financing entities agroindustrial complex through a mortgage. It is proved that the state support has a significant impact on the efficiency of investment projects implemented by the enterprises of agroindustrial complex using funds raised under the program of land mortgage lending

In the article, the authors reveal a problem of searching the directions of financial stimulation of innovative activity of bank institutes for offering the financial innovations to real sector of regional economy. During the research, it is revealed that the concept of development of financial innovations has to be based on institutional distribution of channels of the transmission mechanism on degree of their importance. It is proved that for ensuring economic growth it is necessary to create a transmission mechanism of financial stimulation of innovative activity of the complete system of financial institutions, which is based on public and private partnership

Process of crediting has productive and consumer character, and expresses the movement of the commodity and monetary capital in his continuous circulation. The productive form of the credit is connected with features of use of the received financial resources in production for the purpose of obtaining again created consumer cost. The article describes the methods and forms of mortgage lending in the system of financial and credit relations and their impact on reproductive processes of social development. The authors have proved that realization of housing policy of the state has to combine the principles of the budgetary financing and regulation of market processes of the relations of distribution and redistribution of the loan capital. Thus, a significant place in the financial relations has been taken by a mortgage loan, which requires longterm and cheap financial resources at an acceptable cost for its development

Actual problems of development of the Russian banking system are that banks institutions through the implementation of their economic policies provide effective and continuous steady growth of the national economy. Innovative activity of banking institutions is shown by their role in the system of social relations in the framework of the expansion of demand for banking products and services, the credit field and stimulating economic growth. They are financial moderators of economic growth. On the basis of these studies, the inventors have proposed a classification of the elements of the banking system with the release of the federal and regional banks. The author's approach allows expanding the understanding of competitiveness, the penetration of financial services in various sectors of the regional economy, as well as their level of provision. The authors evaluated the performance of the institutional saturation and profitability of banking institutions, concentration of assets, capital and households’ deposits. According to the research developed by the prospects of development of the regional banks in view of the reform of the role of regional banks by the mega regulator