Banking. Liability management in commercial banks of the Russian Federation (lecture notes)

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Banking. Liability management in commercial banks of the Russian Federation (lecture notes)

Lecture notes, cheat sheets

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Liability management in commercial banks of the Russian Federation

The theory of liability management, which develops and supplements the liquidity management policy of commercial banks, is based on the following two statements.

First, a commercial bank can solve the liquidity problem by attracting additional funds by buying them on the capital market. In reality, this statement has found practical implementation in Western countries.

Secondly, a commercial bank can ensure its liquidity by resorting to extensive borrowing of funds from the Federal Reserve System or from correspondent banks, as well as to loans received on the Eurocurrency market.

In the Russian banking system, financial instruments for managing the liquidity of commercial banks through passive operations of managed liabilities) are currently very limited. This is due to reasons related both to certain difficulties and complexities of the transition of the entire economy of the national economy to market relations, and to the fact that the banking system of the Russian Federation is still too young, is at the stage of formation, development and, in fact, has very little operating experience. For these reasons, CBs in many respects do not correspond to the real images of commercial banks that have established themselves in countries with stable market economies.

The low activity of many commercial banks in the Russian Federation is associated with very severe economic consequences, including their closure and bankruptcy. Therefore, those banks that quickly master the arsenal of global liquidity management practices will ensure for themselves a stable, reliable, competitive nature of work in banking systems as a whole.

Author: Shevchuk D.A.

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