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Article

Эволюция распределения российских банков по ключевым агрегированным показателям.

Малахов Д. И., Поспелов И. Г.

In this paper we propose a model of interaction between banks that make up the banking system of some open economy. This work investigates the evolution of the banking system on the key economic indicators. Bank's assets are used as an example of such an indicator. It is expected that the new money in the banking system can be created either through loans from outside the banking system or by credit issue. Withdrawal of funds from the bank occurs only as a result of bank debt (in the first case) or a debt relief to the client (in the second case). The model assumes that the emission brings an interest income or expense up to maturity. The paper theoretically shows that the growth of the banking system as a whole and the evolution of the distribution of proportions of each bank's assets in total assets of the banking system are two fundamentally different processes.