Differentiation of interest rates on deposits for different categories of depositers from the position of a commercial bank
Introduction. The commercial bank uses the deposit as the main long-term attracted resource to ensure its activities. For certain categories of citizens, banks offer increased interest rates on deposits. The current legislation regulating the banking sector is in constant and dynamic development. Ev...
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| Format: | Article |
| Language: | Russian |
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North Caucasus Federal University
2024-04-01
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| Series: | Вестник Северо-Кавказского федерального университета |
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| Online Access: | https://vestnikskfu.elpub.ru/jour/article/view/2645 |
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| author | E. A. Zolotova A. T Apkhudova E. A. Nakhmedy T. A. Kolpikova V. V. Shibkova O. D. Ulyanova |
| author_facet | E. A. Zolotova A. T Apkhudova E. A. Nakhmedy T. A. Kolpikova V. V. Shibkova O. D. Ulyanova |
| author_sort | E. A. Zolotova |
| collection | DOAJ |
| description | Introduction. The commercial bank uses the deposit as the main long-term attracted resource to ensure its activities. For certain categories of citizens, banks offer increased interest rates on deposits. The current legislation regulating the banking sector is in constant and dynamic development. Every year, the Central Bank of the Russian Federation proposes new bills or makes adjustments to existing regulations. Knowledge of current innovations and amendments and their compliance is the main tool for the work of a commercial bank.Materials and methods. The study is based on the analysis of the reasons for the differentiation of conditions by deposits, the main stakeholders, their interests and contradictions are studied, and possible ways of resolving the problem are proposed, taking into account the obstacles in their path. The analysis of changes in deposit rates necessitated the following research methods: analysis, synthesis, formal logic, comparison, induction, deduction, etc.Results and discussion. As a result of the analysis, it was revealed that the deposit allowances for different categories of customers differ. Salary clients and those who leave their applications online receive more deposit allowances. The main stakeholders are commercial banks, microfinance organizations, the Central Bank, clients of commercial banks and employees of commercial banks.Conclusion. The problem of differentiating conditions by deposits is ambiguous and has both advantages and disadvantages. When settling it, it is necessary to take into account the interests of all participants in financial relations in order not to upset the balance and come to mutually beneficial cooperation between them. |
| format | Article |
| id | doaj-art-92e6aec00aab46db806f8ee04498d1ad |
| institution | DOAJ |
| issn | 2307-907X |
| language | Russian |
| publishDate | 2024-04-01 |
| publisher | North Caucasus Federal University |
| record_format | Article |
| series | Вестник Северо-Кавказского федерального университета |
| spelling | doaj-art-92e6aec00aab46db806f8ee04498d1ad2025-08-20T03:19:39ZrusNorth Caucasus Federal UniversityВестник Северо-Кавказского федерального университета2307-907X2024-04-0101889710.37493/2307-907X.2024.1.92590Differentiation of interest rates on deposits for different categories of depositers from the position of a commercial bankE. A. Zolotova0A. T Apkhudova1E. A. Nakhmedy2T. A. Kolpikova3V. V. Shibkova4O. D. Ulyanova5North-Caucasus Federal UniversityNorth-Caucasus Federal UniversityNorth-Caucasus Federal UniversityNorth-Caucasus Federal UniversityNorth-Caucasus Federal UniversityNorth-Caucasus Federal UniversityIntroduction. The commercial bank uses the deposit as the main long-term attracted resource to ensure its activities. For certain categories of citizens, banks offer increased interest rates on deposits. The current legislation regulating the banking sector is in constant and dynamic development. Every year, the Central Bank of the Russian Federation proposes new bills or makes adjustments to existing regulations. Knowledge of current innovations and amendments and their compliance is the main tool for the work of a commercial bank.Materials and methods. The study is based on the analysis of the reasons for the differentiation of conditions by deposits, the main stakeholders, their interests and contradictions are studied, and possible ways of resolving the problem are proposed, taking into account the obstacles in their path. The analysis of changes in deposit rates necessitated the following research methods: analysis, synthesis, formal logic, comparison, induction, deduction, etc.Results and discussion. As a result of the analysis, it was revealed that the deposit allowances for different categories of customers differ. Salary clients and those who leave their applications online receive more deposit allowances. The main stakeholders are commercial banks, microfinance organizations, the Central Bank, clients of commercial banks and employees of commercial banks.Conclusion. The problem of differentiating conditions by deposits is ambiguous and has both advantages and disadvantages. When settling it, it is necessary to take into account the interests of all participants in financial relations in order not to upset the balance and come to mutually beneficial cooperation between them.https://vestnikskfu.elpub.ru/jour/article/view/2645commercial bankdepositdepositdifferentiationinterest rate |
| spellingShingle | E. A. Zolotova A. T Apkhudova E. A. Nakhmedy T. A. Kolpikova V. V. Shibkova O. D. Ulyanova Differentiation of interest rates on deposits for different categories of depositers from the position of a commercial bank Вестник Северо-Кавказского федерального университета commercial bank deposit deposit differentiation interest rate |
| title | Differentiation of interest rates on deposits for different categories of depositers from the position of a commercial bank |
| title_full | Differentiation of interest rates on deposits for different categories of depositers from the position of a commercial bank |
| title_fullStr | Differentiation of interest rates on deposits for different categories of depositers from the position of a commercial bank |
| title_full_unstemmed | Differentiation of interest rates on deposits for different categories of depositers from the position of a commercial bank |
| title_short | Differentiation of interest rates on deposits for different categories of depositers from the position of a commercial bank |
| title_sort | differentiation of interest rates on deposits for different categories of depositers from the position of a commercial bank |
| topic | commercial bank deposit deposit differentiation interest rate |
| url | https://vestnikskfu.elpub.ru/jour/article/view/2645 |
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