Izvestiya of Saratov University.

Economics. Management. Law

ISSN 1994-2540 (Print)
ISSN 2542-1956 (Online)

For citation:

Grishina N. P. Risks of Commercial Banks: the Regional Aspect of the Example Saratov Region. Journal Izvestiya of Saratov University. Economics. Management. Law, 2016, vol. 16, iss. 4, pp. 424-429. DOI: 10.18500/1994-2540-2016-16-4-424-429

This is an open access article distributed under the terms of Creative Commons Attribution 4.0 International License (CC-BY 4.0).
Full text PDF(Ru):
Article type: 

Risks of Commercial Banks: the Regional Aspect of the Example Saratov Region

Grishina Nina Pavlovna, Saratov State University

Introduction. Modern Russian banking system is going through a difficult period of reform and global change. Status of the Russian banking system reflects the general state of the economy and the financial sector of the country and the world. It is characterized by low immunity to numerous, including systemic risk, low maneuverability in a high level of uncertainty. All these factors reduce the functional capacity of the Russian banking system as a whole. Theoretical analysis. Risk management – a process consisting of five steps: risk identification, assessment and analysis, decision making, maximizing the positive and minimizing the negative consequences, monitoring, promoting a culture of risk management in the company. Empirical analysis. The position of regional commercial banks in the Saratov region in a difficult economic situation, however, is complicated by the high risk of external and internal environment. For the development and expansion of possibilities of lending to small and medium-sized enterprises must be at the federal level to facilitate regional commercial banks to access credit refinancing. One of the concrete actions can be a reference to federal regulators to allow banks to hold assets in a regional repository. Results. Further updating of risk categories allowed to evaluate and present ranked critical risks that are typical for the activities of the regional commercial bank.

  1. Mkhitaryan R. A. Sovremennoe sostoianie bankovskoi sistemy Rossii [The current state of the Russian banking system]. Mezhdunarodnyi zhurnal prikladnykh i fundamental’nykh issledovanii [International Journal of Applied and Basic Research], 2015, no. 8, pp. 723‒726.
  2. Kornev E. V., Koren A. V. Analiz suschestvuiuschikh podkhodov k opredeleniiu predprinimatel’skoi aktivnosti [Analysis of existing approaches to determining predprinimatelskoy̆ activity]. Naukovedenie, 2013, no. 6 (19), pp. 1‒8.
  3. Bankovskaia sistema Rossii – 2016 (The banking system of Russia – 2016). Available at: http://global-finances.ru/bankovskaya-sistema-rossii-2016/ (accessed 1 July 2016).
  4. Rossiiskii bankovskii sektor v 18 raz uvelichil pribyl’ v I kvartale (The Russian banking sector is 18 times increased profi t in the quarter I). Available at: http://www.dp.ru/a/2016/04/19/Rossijskie_banki_v_pervom/ (accessed 1 July 2016).
  5. Polyakova O. V. Aktual’nye voprosy razvitiia bankovskogo sektora regiona i nadzornoi deiatel’nosti [Topical issues of development of the banking sector in the region and monitirimg activity]. Den’gi i kredit [Money and credit], 2016, no. 6, pp. 3‒8.
  6. O poriadke rascheta kreditnymi organizatsiiami velichiny rynochnogo riska: polozhenie Bankf Rossii ot 14.11.2007 № 313-P (red. ot 28.04.2012) (Zaregistrirovano v Miniuste Rossii 06.12.2007 № 10638) (Regulations on the procedure for calculating the credit organizations of market risk. Approved by the Bank of Russia of 14.11.2007 № 313-P (an edition of 28.04.2012) (Registered in the Ministry of Justice of Russia 06.12.2007 № 10638). ATP «Consultant» [electronic resource].
  7. O tipichnykh bankovskikh riskakh: pis’mo Banka Rossii ot 23.06.2004 № 70-T (On typical banking risks. Bank of Russia Letter dated 23.06.2004 № 70-T). ATP «Consultant» [electronic resource].
  8. V regional’nom parlamente obsudili problemy regional’nykh bankov (The regional parliament discussed the problems of regional banks). Available at: http://www.srd.ru/index.php/component/content/article.html?id=21181 (accessed 1 July 2016).
  9. Krasnogor V. B. Problemy i perspektivy bankovskogo regulirovaniia v Rossiiskoi Federatsii [Problems and Prospects of banking regulation in the Russian Federation]. Finansy i kredit [Finance and credit], 2013, no. 21, pp. 36‒39.