Introduction of process innovations in the Bank as a response to new challenges

Ushanov A.E.1
1 Финансовый университет при Правительстве Российской Федерации

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Journal paper

Russian Journal of Entrepreneurship *
Volume 19, Number 4 (April 2018)
* Этот журнал не выпускается в Первом экономическом издательстве

Citation:

Ushanov, A. A. (2018). Introduction of process innovations in the Bank as a response to new challenges. Russian Journal of Entrepreneurship, 19(4), 1135-1142. https://doi.org/10.18334/rp.19.4.38884

Abstract:
Transition of the financial market megaregulator from moderately tough policy to neutral policy, expressed, in particular, in the reduction of the key rate, leads to a decrease in the net interest margin of commercial banks. To neutralize this process, it is necessary not to rely on market conditions, unstable factors, many of which led to the formation of record financial results of the Russian banking sector in 2016-2017, but to rely on the fundamental prerequisites and key changes in the banking business. We are talking about the introduction of innovative solutions during implementation of business processes that allow better control of risks. The paper proposes a new risk-oriented model of Bank lending to corporate clients recommended for use in credit institutions.

Keywords: innovations, financial management, Net interest margin, profit factors, new credit process

JEL-classification: O31, G21, G32

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References:

Ushanov A.E. (2017). Realii finansovogo rynka i mekhanizm snizheniya riskov kreditovaniya [The realities of the financial market and the mechanism to reduce the risks of lending]. Economics and management: problems, solutions (Ekonomika i upravleniye: problemy, resheniya nauchno-prakticheskiy zhurnal). 4 (7). 104-111. (in Russian).
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Распоряжение Правительства Российской Федерации от 8.12.2011 г. N 2227-р «Об утверждении Стратегии инновационного развития Российской Федерации до 2020 года»Консультант Плюс. (in Russian). Retrieved from http://www.consultant.ru/document/cons_doc_LAW_123444
Сайт Агентства экономической информации ПРАЙМ. (in Russian). Retrieved from https://1prime.ru/articles/20180124/828376372.html
Сайт Аналитического кредитного рейтингового агентства (АКРА). (in Russian). Retrieved from https://www.acra-ratings.ru/research/485.
Сайт Ассоциации российских банков. Retrieved from https://arb.ru/b2b/news/nikakoy_dramy_kak_snizhenie_klyuchevoy_stavki_tsb_povliyaet_na_biznes_bankov-10175045
Сайт РИА Новости. (in Russian). Retrieved January 24, 2018, from https://ria.ru/economy/20180124/1513211021.html

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