TO A QUESTION OF THE PROSPECTS OF DEVELOPMENT OF ORGANIZATIONAL AND LEGAL BASES OF A BANKING SYSTEM OF THE RUSSIAN FEDERATION

Abstract

In 2017 changes have been made to the Russian banking legislation. These changes create conditions for implementation of conceptual transformations of organizational bases of a banking system of the Russian Federation. The author the attempt to reveal tendencies of development of a banking system of the Russian Federation and their consequence becomes. The author believes that expansion of a specific variety of credit institutions is caused by severe conditions of functioning of a banking system of the Russian Federation at the present stage of her development (formation of an adverse general financial situation, falling of profitability of bank activity of most credit institutions, reduction of number of credit institutions, etc.). In these conditions proportional regulation of activity of credit institutions became one of the priority directions of development of state policy in the bank sphere. The author has come to a conclusion that when obtaining the status of credit institutions by microfinance companies in practice the problems having system character that won’t allow (or extremely will complicate) implementation of provisions of article 23.6 of the Federal law «About Banks and Bank Activity» will be revealed. Owing to this fact it is possible to assume that the legislator will develop the considered tendency on change of organizational and legal bases of a banking system by means of setting standards on direct integration of microfinance companies into a banking system of the Russian Federation.