Importance The article focuses on changes in credit institutions licensing as a result of the transition to their proportional regulation. Objectives The paper aims to consider new approaches to credit institutions regulation and develop proposals on adjustment of the methods and instruments for regulation of credit organizations with a basic license. Methods The research uses the methods of logical and statistical analyses, observation, generalization, and classification. Results The article reveals differences in the mechanism for regulation of banks with universal and basic licenses. The article proposes some new instruments for regulation of banks with a basic license as part of limiting the risk of dependence on large creditors, operations with non-residents and territorial arrangement. The article substantiates the expediency of creation of regional social banks on the basis of banks with a basic license. Conclusions The conclusion is drawn about the expediency of application of proportional regulation of banks and necessity of creation of a stimulating mechanism of regulation for creation and development of a region's bank system adequate to peculiarities of the structure of the region's economy.
Keywords: bank, regulation, basic license, bank operations