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Monitoring the Security Strategy in the Russian Banking Sector



A.A. Tischenko
tischalex@yandex.ru
– post graduate student, the Institute of Economics, the Ural branch of Russian Academy of Sciences
Yekaterinburg

Keywords:

  • collateral portfolio
  • collateral loans
  • loan portfolio
  • banking sector
  • banking control
  • monitoring the insurance
  • On the basis of the official Bank reporting data, the author provides an overview of the state of Russian banking sector from the point of view of the adherence to the level of financial security and defines the security strategy of the sector and its individual subjects. Some problematic issues are identified in the quality of the data covering the structure and specific features of the collateral portfolio in the framework of official reporting. As a result, it is determined that monitoring of the level of security and quality of the collateral portfolio is significantly limited by the lack of necessary data. It is concluded that the banking sector needs to introduce technological innovations in order to monitor the compliance with the level of security and manage the collateral portfolio. As a solution of the problematic issues revealed the author proposes implementation of Digital Twin technology for managing the collateral portfolio and monitoring the level of security of obligations.

    188300 Russia, Leningrad region, Gatchina, st. Roshchinskaya, 5