Name
Nosova Tatyana Pavlovna
Scholastic degree
•
Academic rank
associated professor
Honorary rank
—
Organization, job position
Kuban State Agrarian University
Web site url
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Articles count: 3
In the years 2014-2016 under the influence of the
sanctions against Russia, the arrangement of the
funding base had been carried out mainly from the
internal sources, which are from the funds of the
Central Bank of the Russian Federation, the funds of
organizations and the population savings. This article
examines the Central Bank’s rates of lending in the
period of 2014-2016; it studies the impact of the
lending rates from the financial regulator on the finance
result of the banks. The article contains the
analysis of the funds raised by credit companies from
legal entities and individuals. Due to the lack of access
to the resources of the world market’s loanable
funds and, as the result of it, the shortages of funding,
Russian banks were forced to function using the fund
deposits of individuals. Next, the article unfolds the
analysis of the current environment and the prospects
of borrowing on the foreign market in the conditions
of sanctioning. In may 2016 Russia returned as a
sovereign borrower to the international debt market.
It has been noted that in the case of the situation remaining
calm on the geopolitical arena, the conditions
of external funding for Russian banks are going
to improve. On the other hand, the prompt and optimal
way out of the present conditions is seen in the
development of the innovative environment, which is
impossible without venture capital financing
The article examines the main trends and prospects
of the Russian mortgage lending system
development. It examines the current state of the
mortgage market in the current socio-economic
conditions in the Russian Federation. It presents an
overview of the key market indicators of the past
few years. At the moment, interest rates have
decreased, compared to the previous year,
therefore the banks’ lowest interest rates have
been analysed. The article contains a review of the
mortgage programs with the most favourable
terms. The 2015 and 2016 results of the housing
markets, housing construction and mortgage
lending in the Russian Federation have been
analysed. Having considered the dynamics of the
debt on the mortgage loans that had been granted
to resident individuals, it was brought out that the
debt on mortgage loans in the period of the years
2013-2017 has been growing with each year. The
article examines the conditions of getting a
mortgage in 2017. Currently, the development of
the mortgage loan system is constrained by several
factors, in relation to which the article offers
recommendations on the possible ways to improve
it
This article provides a characterization of the refinancing system of the Bank of Russia as a factor for control of marketability of commercial banks. A viewpoint of authors for development of refinancing tools with the goal of their application for extending the investment potential of banks in the interest of regional economy is provided in the article