PROBLEMS OF FUNCTIONING OF REGIONAL BANKS IN THE CURRENT ECONOMIC CONDITIONS
Introduction. The article is devoted today to the issue of functioning of commercial banks, including regional ones. In connection with the decline of the Russian economy, there is a clear need to reform the domestic banking system. The process of modernization should implementation be done within a single government policy is focused on hardening their positions of domestic banks, including at the regional level, the formation and development of new financial instruments, interaction with other elements of the economy. Materials and methods. In the preparation of scientific work were used data of Federal state statistics service, Moscow stock exchange, Central Bank of the Russian Federation to analyze the situation on the regional banking market and to identify the factors of its further functioning and development. Results. According to the results of the conducted research the authors identified the main problems of regional banking systems, the most important parameters by which domestic banks concede credit organizations organizations in developed countries. Discussion. Taking into account the fact that the regional banking system is the lifeblood of the regional economy, due to which the functioning and development of the real sector of the economy of the region, the work was focused on the special significance of regional banks for the financial system of the country, the essence of a regional Bank, taking into account different approaches, special attention is given to the quality component of the regional credit organizations. Conclusion. After analyzing the current state of the domestic banking system, we came to the conclusion that the basic principle of the modernization of the banking system should be improving their financial stability. Knowledge of the characteristics of development of regional economy gives banks a competitive advantage over other banking institutions operating in the region, in particular. Save all confirming his financial solvency of banks holding a certain ry-night segment, will provide competition in the financial market, increase the availability and quality of banking services will increase the efficiency of the economy.