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Трансформация балансовых бизнес-моделей банков как источник системных рисков

Финансы и бизнес. 2019. Т. 15. № 1. С. 59-75.
Господарчук Г. Г., Сучкова Е. О.

The article considers transformation of bank business model being results of macroeconomic and regulative system changes for identifying bank sector possible risks. Analysis was carried out on base of commercial banks official public reporting for 2014-2018 reporting period. The research found out availability of Russian bank business model transformation containing increasing of interbank lending operation and part of bonds operation in its balances. It is defined that increasing this assets part is accompanied by a risks rising scale as past due balances as for separate banks and the whole bank sector. Systematically important banks were defined as being a subject to risk of loosing financial soundness due to its business model transformation.