Regulation of the Russian Banking Sector: New Trends
<b>Importance</b> The article focuses on changes in credit institutions licensing as a result of the transition to their proportional regulation. <br></br> <b>Objectives</b> The paper aims to consider new approaches to credit institutions regulation and develop proposals on adjustment of the methods and instruments for regulation of credit organizations with a basic license. <br></br> <b>Methods</b> The research uses the methods of logical and statistical analyses, observation, generalization, and classification. <br></br> <b>Results</b> The article reveals differences in the mechanism for regulation of banks with universal and basic licenses. The article proposes some new instruments for regulation of banks with a basic license as part of limiting the risk of dependence on large creditors, operations with non-residents and territorial arrangement. The article substantiates the expediency of creation of regional <i>social</i> banks on the basis of banks with a basic license. <br></br> <b>Conclusions</b> The conclusion is drawn about the expediency of application of proportional regulation of banks and necessity of creation of a stimulating mechanism of regulation for creation and development of a region's bank system adequate to peculiarities of the structure of the region's economy.