• A
  • A
  • A
  • АБВ
  • АБВ
  • АБВ
  • A
  • A
  • A
  • A
  • A
Обычная версия сайта
  • RU
  • EN
  • HSE University
  • Publications
  • Articles
  • Моральный риск в банковской системе
  • RU
  • EN
Расширенный поиск
Высшая школа экономики
Национальный исследовательский университет
Priority areas
  • business informatics
  • economics
  • engineering science
  • humanitarian
  • IT and mathematics
  • law
  • management
  • mathematics
  • sociology
  • state and public administration
by year
  • 2028
  • 2027
  • 2026
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011
  • 2010
  • 2009
  • 2008
  • 2007
  • 2006
  • 2005
  • 2004
  • 2003
  • 2002
  • 2001
  • 2000
  • 1999
  • 1998
  • 1997
  • 1996
  • 1995
  • 1994
  • 1993
  • 1992
  • 1991
  • 1990
  • 1989
  • 1988
  • 1987
  • 1986
  • 1985
  • 1984
  • 1983
  • 1982
  • 1981
  • 1980
  • 1979
  • 1978
  • 1977
  • 1976
  • 1975
  • 1974
  • 1973
  • 1972
  • 1971
  • 1970
  • 1969
  • 1968
  • 1967
  • 1966
  • 1965
  • 1964
  • 1963
  • 1958
  • More
Subject
News
September 11, 2026
How to Assess Students Knowledge in the Age of AI
A researcher at HSE University has proposed a flowchart to help lecturers decide how to assess students who use artificial intelligence. It shows where the use of AI should be restricted and where it can be incorporated into the learning process. The article has been published in IT Professional.
September 9, 2026
‘Balkan Hospitality Opens Doors: Studying Dialects on the Verge of Extinction
You cannot study spoken dialects from books. Instead, you need to go to a village, seek out its elders, and earn the trust of local residents before you can record hours of spontaneous stories. This is how Natalia Muravleva, Associate Professor at the Faculty of Humanities, conducts her research. Her internship in Serbia continued her long-standing study of dialects spoken by Macedonian settlers. In this interview, she discusses how diaspora cultural centres help researchers reach informants, why native speakers need to be interviewed only in their own language (otherwise, as she puts it, they may 'break'), and how a single field season helped her finalise her monograph. She also shares warm memories of autumn in Belgrade and of colleagues with whom grammar can be discussed in three languages at once.
September 9, 2026
Scientists Train Neural Network to Generate Process Plans from 3D Models
Researchers at the HSE FCS AI and Digital Science Institute have developed CAD2TechSpec, a framework that converts 3D models of mechanical parts into machining process plans—step-by-step instructions for machine tools. The solution aims to reduce the time required for the design and preparation of technical process documentation in mechanical engineering, aircraft manufacturing, and other high-tech industries. The study findings have been published in PeerJ Computer Science.

 

Have you spotted a typo?
Highlight it, click Ctrl+Enter and send us a message. Thank you for your help!

Publications
  • Books
  • Articles
  • Chapters of books
  • Working papers
  • Report a publication
  • Research at HSE

?

Моральный риск в банковской системе

Экономика и социум. 2015.
Kashin D., Илюхин С. В.
Language: Russian
Keywords: банкиморальный риск
Similar publications
Эволюция корпоративного управления в международных банковских группах
Soldatova A., В кн.: Международный банковский бизнес: проблемы и перспективы.: Прометей (МПГУ), 2026. С. 120–140.
This monograph addresses the theory and practice of international banking, including the assessment of financial relationships between business entities in the current environment, areas of cooperation in project finance, financial technologies, ensuring the security of banking operations, the development of settlement and depository systems in developing countries, and more. This research is intended for students studying ...
Added: September 4, 2026
Банки и экосистемы
Бровкина Н. Е., Терновская Е. П., Мешкова Е. И. et al., В кн.: Банк в современной экономикеКн. Банк в современной экономике.: М.: КноРус, 2026. С. 127–147.
Banks are the central link in the national financial market and the economy as a whole. The share of bank assets in the asset structure of the Russian financial market, despite a slight decline, remains dominant relative to other participants, reaching 80%. Russian banks are multifaceted. On the one hand, they provide working capital financing, long-term ...
Added: September 3, 2026
A New Approach to Identifying Political Connections: Evidence from the Russian Banking Sector
Kozlov N., Semenova M., Journal of Corporate Finance Research 2026 Vol. 20 No. 2 P. 108–135
This paper introduces a novel approach to identifying and operationalizing political connections of banks. We manually code 2,598 bankers who owned or worked in 115 Russian banks between 2015 and 2021 to classify political connections and uncover their institutional patterns through cluster analysis. We propose a set of variables that capture the origins, relevance, and ...
Added: July 6, 2026
Агентная модель поведения вкладчиков на региональном рынке банковских услуг (вкладов)
Ramenskaya A., Бектемиров Р. Р., Корнейченко Е. Н., В кн.: Имитационное моделирование. Теория и практика (ИММОД 2025).: СПб.: АО "ЦТСС", 2025. С. 463–470.
Banks need to analyze the preferences and behavior of their customers for stability. The high value of the key rate has affected the deposit policy of banks. The purpose of the study is to develop simulation model of customer behavior in the regional bank deposit market. The paper proposes an agent-based simulation model describing the ...
Added: April 20, 2026
Международный банковский бизнес: теория и практика
Karminsky A. M., М.: Прометей, 2025.
The monograph including issues of the theory and practice of international banking ...
Added: September 20, 2025
The Uniform Relationship between Managerial Ability and Bank Loan Quality: Does it hold? Evidence from Quantile Regressions
Zaiane S., Semenova M., / NRU Higher School of Economics. Series FE "Financial Economics". 2025. No. 96FE2025.
This study examines the relationship between managerial ability (MA) and bank loan quality, employing a quantile regression model. It analyzes whether the impact of MA on loan quality changes across various quantiles of risk. Using a sample of 126 MENA banks (2006–2020), the results reveal that the impact of MA on bank loan quality varies ...
Added: February 18, 2025
Банковские кризисы в США: уязвимые бизнес-модели
Podrugina A., Лысенко К. В., Майхрович М. Я., Экономический журнал Высшей школы экономики 2024 Т. 28 № 3 С. 525–554
The decade of expansionary monetary policy and tough financial regulation after the global financial crisis reduced the profitability of the banking sector, but at the same time it significantly increased its financial stability. The COVID-19 pandemic has become a stress for banks, but liquidity support measures and extra-dovish monetary policy of central banks in developed ...
Added: October 22, 2024
Финансово-правовые особенности функционирования современной банковской системы в условиях цифровой экономики
Oshmankevich K., Вестник Московского университета. Серия 26: Государственный аудит 2021 № 4 С. 79–86
The article is devoted to the features of functioning of banking system institutions in Russia within economy digitalization. The author observes normative acts reflecting the role and functions of the Bank of Russia and credit organizations under new economic conditions. Additionally, the definition of digital economy is provided as well as researchers’ opinion about emerging ...
Added: September 11, 2024
Правовые средства защиты финансовых данных в банковской сфере Российской Федерации
Oshmankevich K., Юрист 2024 № 12 С. 59–63
the issue of legal regulation of financial data protection in the Russian Federation is reviewed in the article. The author highlights the importance and actuality of the issue, providing statistical information. Due to active digitalization of economic relations, the issue of determining the range of data related to financial data, as well as their proper ...
Added: September 11, 2024
Социальная инженерия как угроза хозяйственной деятельности кредитной организации
Oshmankevich K., Хозяйство и право 2023 № 4 С. 42–50
The article deals with issues related to a wide-spread way of committing fraudulent actions against clients of credit institutions as social engineering. The danger of this phenomenon lies in the fact that attackers, using a combination of technical and psychological techniques, mislead their victims, encouraging them to transfer sensitive information or perform certain actions, such ...
Added: September 11, 2024
Финансы банка
Цехомский Н. В., Волков Д. Л., Щербакова О. Н. et al., М.: АНО ДПО "Корпоративный университет Сбербанка", 2016.
Финансы банка ...
Added: October 25, 2023
Моделирование связи депозитов и кредитов в российских банках — эконометрический подход
Kopnova E., Османова А. О., Финансы и бизнес 2023 Т. 19 № 3 С. 86–99
According to the monthly data of the eleven largest banks in Russia for 2015-2020, the dynamic relationship between deposits of individuals and loans issued has been investigated. We used econometric tools for analyzing the cointegration of random processes in the form of an error correction model estimated from panel data. It is shown that the ...
Added: October 2, 2023
Covid-19 And Retail Depositor Strategies In Russian Regions: Whether To Withdraw And Why
Popova P., Semenova M., Sokolov V., / Series WP BRP "Series FE "Financial Economics"". 2023. No. WP BRP 92/FE/2023.
The COVID-19 pandemic caused a significant change in the consumption, savings, and employment patterns of individuals. This study investigates the reaction of individual bank depositors to the spread of COVID-19 from the perspective of the outflow of retail deposits and the shift in their maturity structure across Russian regions which were differently hit by the pandemic. Exploiting the cross-regional ...
Added: August 14, 2023
Особенности применения рыночных стимулов в российских корпорациях с государственным участием
Agamirova M., Журнал институциональных исследований 2023 Т. 15 № 1 С. 89–99
The article discusses the possible negative effects of the implementation of the market motivation methods in the public sector and management systems of state corporations. In particular, we focus on the introduction of performance assessments of civil servants which are based on a number of quantitative indicators. There is a belief that high-powered incentives can ...
Added: July 24, 2023
Исследование взаимосвязи бизнес-моделей банков и стабильности экономического развития
Господарчук Г. Г., Aistov A., Suchkova E. O., Финансы: теория и практика 2023 Т. 27 № 2 С. 108–118
Depending on the chosen business model, banks can act as both shock absorbers and crisis catalysts. In this regard, the analysis of the relationship between banks’ business models and financial cycles becomes a useful tool for diagnosing and predicting crisis phenomena. The purpose of the research is to identify the relationship between the volume of ...
Added: June 14, 2023
Трансмиссионный механизм денежной политики в Китае
Mozias P., Социальные и гуманитарные науки. Отечественная и зарубежная литература. Серия 9: Востоковедение и африканистика 2022 № 4 С. 122–149
Кейнсианская школа описала "процентный канал" передачи сигналов денежной политки в реальный сектор экономики. А с появлением в 1970-е годы пионерных работ о значении асимметрии информации для функционирования финансовых рынков возникли и теоретические представления о "кредитном канале" денежной трансмиссии. Китайские экономисты, исследующие особенности денежной трансмиссии в современной переходной экономике Китая, приходят к выводу, что оба канала ...
Added: October 25, 2022
Трансформация банковского сектора и либерализация процентных ставок в Китае
Mozias P., Социально-гуманитарные науки. Отечственная и зарубежная литература. Серия 9. Востоковедение и африканистика 2022 № 3 С. 124–156
В китайском финансовом секторе до сих пор доминируют банки, находящиеся в государственной собственности. Либерализация процентных ставок в Китае происходила медленно, рудименты административного контроля над ценами на финансовые ресурсы существовали и в 2010-е годы. Такой алгоритм преобразований в банковской сфере соотвествует общей модели китайских реформ как сугубо постепенных. ...
Added: September 18, 2022
Do Non-Interest Income Activities Matter For Banking Sector Efficiency? A Net Interest Margin Perspective
Kolade S. A., Semenova M., / NRU Higher School of Economics. Series FE "Financial Economics". 2022. No. WP BRP 87/FE/2022.
This paper explores the effects non-interest income (NII) generating activities on banking sector efficiency in 152 countries from 1996 to 2017. Contrary to existing studies that investigate the effects of diversification on banking performance at the micro-level, this study seeks to provide new insights by examining the effects of diversification at the aggregate level on ...
Added: July 13, 2022
Денежный рынок: понятие и структура
Александрова Л. С., Свирина Е. М., Дубова С. Е. et al., В кн.: ДЕНЬГИ, КРЕДИТ, БАНКИ. ДЕНЕЖНЫЙ И КРЕДИТНЫЙ РЫНКИ.: Юрайт, 2019. Гл. 5 С. 295–399.
Added: April 4, 2022
  • About
  • About
  • Key Figures & Facts
  • Sustainability at HSE University
  • Faculties & Departments
  • International Partnerships
  • Faculty & Staff
  • HSE Buildings
  • HSE University for Persons with Disabilities
  • Public Enquiries
  • Studies
  • Admissions
  • Programme Catalogue
  • Undergraduate
  • Graduate
  • Exchange Programmes
  • Summer University
  • Summer Schools
  • Semester in Moscow
  • Business Internship
  • Research
  • International Laboratories
  • Research Centres
  • Research Projects
  • Monitoring Studies
  • Conferences & Seminars
  • Academic Jobs
  • Yasin (April) International Academic Conference on Economic and Social Development
  • Media & Resources
  • Publications by staff
  • HSE Journals
  • Publishing House
  • iq.hse.ru: commentary by HSE experts
  • Library
  • Economic & Social Data Archive
  • Video
  • HSE Repository of Socio-Economic Information
  • HSE1993–2026
  • Contacts
  • Copyright
  • Privacy Policy
  • Site Map
Edit