Makar S.V., Yarasheva A.V., Alikperova N.V. Financial infrastructure: public access points. Ekonomika. Nalogi. Pravo = Economics, taxes & law. 2021;14(3):56-66. (In Russ.). DOI : 10.26794 ...

Текст статьи/выпуска на сайте журнала URL: http://www.fa.ru/org/div/edition/enp/journals/2021%20%E2%84%963.pdf (дата обращения 16.11.2021)

Abstract

The subject of the research is to ensure the availability of financial infrastructure components to ensure public participation in the investment process. The purpose of the work is to assess the component state of the financial infrastructure with which the population directly interacts in the regions of Russia. The research task of the study is to consider the state and dynamics of the development of the infrastructure for providing financial services to the population in the period 2016-2020. Research methods are general scientific dialectical approaches, methods of comparative analysis of statistical data and the results of secondary analysis of sociological research. Conclusions are drawn that in Russia there is a multi-vector development of financial infrastructure, expressed, first, in reducing the number of financial (banking) organizations, including as a result of the reorganization of the banking system, and secondly, in increasing the use of services provided online, which reduces the need for the physical presence of financial institutions in the territory of the population to provide financial services; third, in reducing the importance of territorial and temporal components for the population; fourth, in the absence of competition between credit institutions due to the obvious monopoly of Sberbank. It was found that the number of divisions of operating credit institutions in the Russian Federation continued to decline in 2019-2020, which was the result of the development of online services; an increase in the number of ATMs, electronic terminals installed by retail organizations, branches of the Russian Post, cash withdrawal points in retail organizations; an increase in the number and activity of users of non-cash payments during the coronavirus pandemic; an increase in investment activity of the population due to a drop in income on deposit accounts; the preservation of a significant unevenness in the provision of financial infrastructure in the regions.