Problems of lending and innovative ways to improve the financial regulation of commercial banks

Abstract

The relevance of the study is determined by the fact that at present in the activities of every commercial bank the problem of financial risks, deposit policy and activation of instruments for attracting and retaining existing deposit sources in the context of the crisis of the Russian economy is very urgent. Among other things, this problem is caused by the need for stabilization in the banking sector, based on preventing the outflow of funds from the deposit accounts of customers, which in turn leads not only to a decrease in liquidity and solvency indicators, but also to the subsequent potential bankruptcy of a financial institution.