Importance The paper studies the problems of regional banks' development and the role of regional banks. Several initiatives were put forward from identification of a regional bank as an independent type of bank and to creation of a multi-level system of banks with basic licenses. Objectives The paper aims to consider the place and role of regional banks in the development of regional economies on the basis of a comparison of the historical stages of their development. Methods For the research, I used a comparative-historical method and an analysis of statistical data. Results The paper determines an urgent problem of creation of a multi-level banking system and examines the development of Russian city public banks, which are the prototypes of modern regional credit organizations. Conclusions The legislative approach to bank division depending on the capital stock does not create a new banking structure. The creation of a multi-level banking system is still a topical problem. In determining the status of a regional bank, not only should the optimum size of capital and the list of operations be considered, but legislate approaches to the strategies and business models implemented by such banks, as well.
Keywords: bank, regional, law, city public bank
Kirillov A.K. Gorodskie banki Zapadnoi Sibiri (vtoraya chetvert' XIX – nachalo XX veka) [City banks in Western Siberia (the second quarter of the 19th – early 20th centuries)]. Novosibirsk, Ofset Publ., 2003, 192 p.
Morozan V.V. Istoriya bankovskogo dela v Rossii (vtoraya polovina XVIII – pervaya polovina XIX v.) [The history of banking in Russia (the second half of the 18th – the first half of the 19th centuries)]. St. Petersburg, Kriga Publ., 2004, 400 p.
Beloglazova G.N. [The strategy of the development of regional segment in the banking system]. Bankovskoe delo = Banking, 2011, vol. 2, pp. 34–37. (In Russ.)
Parusimova N.I. [The development of bank business and forming of bank product in conditions of transformation economy of modern Russia]. Vestnik Orenburgskogo gosudarstvennogo universiteta = Vestnik of Orenburg State University, 2005, no. 8, pp. 144–148. URL: http://vestnik.osu.ru/2005_8/24.pdf (In Russ.)
Sysoeva A.A. [The social role of banks in the development of regions]. Nauchnaya mysl' = Scientific Thought, 2015, vol. 5, pp. 4–10. (In Russ.)
Bulanov Yu.N. [About strategic planning of bank activities in the changing market and regulatory conditions]. Sibirskaya finansovaya shkola = Siberian Financial School, 2016, vol. 5, pp. 77–90. URL: https://elibrary.ru/item.asp?id=27334636 (In Russ.)
Bulatova A.I. Puti povysheniya konkurentosposobnosti bankovskoi sistemy Respubliki Bashkortostan: monografiya [Ways to improve the competitiveness of the banking system of the Republic of Bashkortostan: a monograph]. Ufa, Bashkir State University Publ., 2014, 232 p.
Ganzhov E.A., Moshkin A.N., Kasatkin V.P. [History of urban public banks (the materials Regulations public bank and the Complete set of laws of the Russian Empire). Nauchnye vedomosti Belgorodskogo gosudarstvennogo universiteta. Seriya: Istoriya. Politologiya = Belgorod State University Scientific bulletin. Series: History. Politology, 2012, vol. 21, iss. 1, pp. 152–157. URL: https://www.bsu.edu.ru/upload/iblock/29d/k%201c120e%20oky%2021.pdf (In Russ.)