DEVELOPMENT OF METHODS OF STATE BANKING REGULATION AND SUPERVISION: FEDERAL AND REGIONAL ASPECTS OF REFORM
The article deals with the practical aspects of credit policy of commercial banks in terms of import-substitution, examines the financial indicators of JSC «Rosselkhozbank» in recent years and the direction of reform of the Russian banking system. In the current difficult conditions economic development the use import-substitution model is necessary to ensure the security of the Russian Federation. In order to increase the financial stability of the Russian banking system the megaregulator conducts systematic work to improve it and divide to three levels: system-forming, universal (federal) and small (regional). In the future system-forming banks will not be limited in various operations. Micro-credit organizations for the financing of natural persons and small and medium enterprises can enter into in a group of regional banks. They will provide a simplified regulation.