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Regular version of the site

Article

О базисной - идеальной - структуре банковской системы

Закон. 2019. № 12. С. 96-104.

This article attempts to take a non-conventional view on the banking system. The author considers the conventional view to be insufficient as the banking system is seen as a combination of banks and regulators but banks and regulators alone are unable to create any banking activity without the client the is usually “out of picture” of the banking system. The author’s approach is that the “initial state” of the banking system is non-contradictory, its elements are not in opposition to each other under the umbrella of legislative attempts to create an artificial balance between them, but rather they are in cooperation with each other. The author insists that this type of banking system is supposed to be the strategic goal of banking regulation, which so far is limited to a chain of sophisticated responses to crises. To achieve this goal the scholars are supposed to concentrate on a multidisciplinary approach.