voprecotestВопросы экономикиVoprosy Ekonomiki0042-8736Voprosy Ekonomiki, NP10.32609/0042-8736-2017-9-83-97voprecotest-26Research ArticleРЕГИОНАЛЬНАЯ ЭКОНОМИКАREGIONAL ECONOMYГеография и структура банковского сектора: тенденции в мире и в РоссииGeography and structure of the banking sector: Trends in the world and RussiaАгееваС. Д.AgeevaS.

к.  э.  н., доцент Новосибирского государственного университета (Новосибирск)

swtageeva@gmail.comМишурА. В.MishuraA.

к.  э.  н., доцент Новосибирского государственного университета (Новосибирск)

anna.mishura@gmail.comНовосибирский государственный университетРоссияNovosibirsk State UniversityRussian Federation201720092017098397Copyright © Voprosy Ekonomiki, NP, 20172017Voprosy Ekonomiki, NPVoprosy Ekonomiki, NPhttps://www.vopreco.ru/jour/about/submissions#copyrightNoticehttps://www.vopreco.ru/jour/article/view/26

В статье анализируется эволюция структуры и географии банковской индустрии России. Показано, как под воздействием концентрации банковского бизнеса и сокращения числа банков менялись разные типы «расстояний» между банками. Проверяется гипотеза о наличии связи между структурой экономики и ее банковского сектора. Показано, что в России акцент в деятельности региональных банков, как и во многих странах, смещен в сторону малого и среднего бизнеса. Однако соответствия между структурой экономики регионов и их банковских секторов не выявлено. Параметры банковской системы регионов различаются, но эти различия не обусловлены структурой региональной экономики.

The article analyzes trends in the evolution of the structure and geography of Russian banking industry. It shows how three types of distances (operational, functional, and those between offices of competing banks) change under the influence of the concentration in banking business and reduction of the number of banks. The authors also provide a typology of regions according to the availability of local banks and non-local branches. We test a well-known hypothesis about the existence of a connection between the structures of the economy and its banking sector and show that the focus of regional banks’ activities in Russia has shifted towards SMEs, but we have not found a correspondence between the structures of regional economies and their banking sectors. The parameters of regional banking systems differ, and although many regions have their own specifics, such differences are not related to the structures of regional economies.

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The authors declare that there are no conflicts of interest present.