Scientific Journal of KubSAU

In this study, the authors have put the issue of development banking innovation through business process re-engineering in commercial bank. Application of the methodological approaches to the study of sustainable development of banking activity extends the boundaries of banking innovations. On the basis of business process reengineering, the strategic assets and liabilities management were proposed and we tested their optimal structure. Increase of sales of innovative field of credit, deposit and stock products with high customer value for clients leads to increasing economic value of added price of the banking Institute

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

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