The impact of the digital ruble on the resource base of Russian banks
The article considers the economic nature of the new form of Russian money, the issue of which, in addition to the already existing cash and non-cash money, was announced by the Bank of Russia in October 2020. The issues of the influence of the digital ruble on the activities of commercial banks hav...
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Publishing House of the State University of Management
2021
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oai:doaj.org-article:e3262d54b2d641458912a8eb50f317ce2021-12-03T07:43:37ZThe impact of the digital ruble on the resource base of Russian banks1816-42772686-841510.26425/1816-4277-2021-8-155-159https://doaj.org/article/e3262d54b2d641458912a8eb50f317ce2021-10-01T00:00:00Zhttps://vestnik.guu.ru/jour/article/view/3036https://doaj.org/toc/1816-4277https://doaj.org/toc/2686-8415The article considers the economic nature of the new form of Russian money, the issue of which, in addition to the already existing cash and non-cash money, was announced by the Bank of Russia in October 2020. The issues of the influence of the digital ruble on the activities of commercial banks have been investigated. Based on the analysis of the structure of the banking sector’s liabilities to legal entities and individuals, it has been determined that the launch of the digital ruble will provoke an outflow of about 15 % of funds from the current accounts of customers, which, given the use of stable balances on these accounts as a source of financing of income generating assets, will cause the need for banks to increase their interest rates on the credit market.A. V. BerdyshevPublishing House of the State University of Managementarticleсentral bankdigital currencydigital rublecommercial banksbank of russiabanking resourcescashnon-cash moneydigitalizationmonetary systemSociology (General)HM401-1281Economics as a scienceHB71-74RUВестник университета, Vol 1, Iss 8, Pp 155-159 (2021) |
| institution |
DOAJ |
| collection |
DOAJ |
| language |
RU |
| topic |
сentral bank digital currency digital ruble commercial banks bank of russia banking resources cash non-cash money digitalization monetary system Sociology (General) HM401-1281 Economics as a science HB71-74 |
| spellingShingle |
сentral bank digital currency digital ruble commercial banks bank of russia banking resources cash non-cash money digitalization monetary system Sociology (General) HM401-1281 Economics as a science HB71-74 A. V. Berdyshev The impact of the digital ruble on the resource base of Russian banks |
| description |
The article considers the economic nature of the new form of Russian money, the issue of which, in addition to the already existing cash and non-cash money, was announced by the Bank of Russia in October 2020. The issues of the influence of the digital ruble on the activities of commercial banks have been investigated. Based on the analysis of the structure of the banking sector’s liabilities to legal entities and individuals, it has been determined that the launch of the digital ruble will provoke an outflow of about 15 % of funds from the current accounts of customers, which, given the use of stable balances on these accounts as a source of financing of income generating assets, will cause the need for banks to increase their interest rates on the credit market. |
| format |
article |
| author |
A. V. Berdyshev |
| author_facet |
A. V. Berdyshev |
| author_sort |
A. V. Berdyshev |
| title |
The impact of the digital ruble on the resource base of Russian banks |
| title_short |
The impact of the digital ruble on the resource base of Russian banks |
| title_full |
The impact of the digital ruble on the resource base of Russian banks |
| title_fullStr |
The impact of the digital ruble on the resource base of Russian banks |
| title_full_unstemmed |
The impact of the digital ruble on the resource base of Russian banks |
| title_sort |
impact of the digital ruble on the resource base of russian banks |
| publisher |
Publishing House of the State University of Management |
| publishDate |
2021 |
| url |
https://doaj.org/article/e3262d54b2d641458912a8eb50f317ce |
| work_keys_str_mv |
AT avberdyshev theimpactofthedigitalrubleontheresourcebaseofrussianbanks AT avberdyshev impactofthedigitalrubleontheresourcebaseofrussianbanks |
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