Роль правового регулирования в банковской сфере

    Performed analysis of the banking system of the Russian Federation and the Kyrgyz Republic has made it possible to detect problems of banking systems functioning and the central problems are the following:  

    • Flat development of multi-branch banking, connected with complexity of procedure for its establishment and registration.

    • Great number of small regional banks with small value of authorized capital, performing limited number of operations and working with small number of economic subjects (low universalization of banking system).

    • One large, practically state bank at services market representation, concentrating 80% of all financial recourses of this sector.  

•   High investment share of the state in banking system.
•   High concentration of banking system in Central region of the country.

    • Insufficiency of funds in banking sector for large infrastructural projects financing.

    • Small scale of banking system of the country.

    Significant step, on the part of the government in development of banking services market will be creation of more favorable conditions for consolidation, merger and joining of credit organizations.  

    The major principle for improvement of regulation system for banking activity and banking supervision is implementation internationally recognized standards and international experience due to peculiarities of organization and functioning of Russian market for banking services. This suggests significant development of purposeful approaches in case of supervision by the Bank of Russia.       

    It is necessary to complete process for normative base formation, consolidating application of internationally recognized norms in Russian supervisory practice.

    Problems for improvement of legislative and law enforcement practice in banking sphere, together with the matters of corporate management, banking regulation and banking supervision are connected with such problems as compliance with tax and antitrust legislation, struggle with money laundering, that are derived by illegal means, financing of terrorism and control over foreign exchange transactions. Improvement of legislative and law enforcement practice, in accordance with the specified directions, must be performed due to international experience.  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

    Библиографический список 

    1. Додинов В.Н., Крылова М.А., Шестаков А.В. Финансовое и банковское право. Словарь-справочник / Под ред. д.ю.н. О.Н. Горбуновой. - М.: ИНФРА-М, 2006. - 277 с.

    2. Официальный сайт Центрального  банка Российской Федерации: http://www.cbr.ru

    3. Симановский А.Ю. Надзорная и контрольная функции Банка России: краткий экскурс // Деньги и кредит. 2008. N 5.  

    List of references

    1. V.N. Dodinov, M.A. Krylova, A.V. Shestakov., Financial and Banking Law. Dictionary / under the editorship of O.N. Gorbunova, Doctor of Juridical Science. – M: INFRA – M, 2006. – 277 p.  

    2. Official site of Central Bank of the Russian Federation: http://www.cbr.ru

    3. A.Yu. Simanovskiy, Симановский А.Ю. Supervisory and Control Function of the Bank of Russia: Brief excursus // Money and Credit. 2008. N5.