Ситникова Э.В.

Small and medium sized businesses play an important role in the development of the modern economy, which directly affects the standard of living of the population in particular, as well as ensuring the stability of modern society as a whole. To perform their significant functions for the economy as a whole, and for the population in particular, small and medium sized businesses need credit security. The main role in this issue is assigned to banks, which are one of the largest participants in the financial market. It should be noted that the share of small and medium sized businesses in the structure of lending by banks is insignificant. The main reasons for this situation are: low profitability of lending to small and medium sized businesses for banks; difficulty in assessing the real financial condition of the subjects under consideration; high risks of non repayment of the loan. Based on this, the relevance of the study is due to the need to identify the degree of development of lending to small and mediumsized businesses, which is especially important at the regional level. To analyze the state of lendingto small and medium sized businesses, the volume of loans issued to legal entities and individuals in the territorial context was analyzed; their share in the total volume was determined; their comparative analysis was carried out; and the types of economic activities where the largest volumes of loans for the development of small and medium sized businesses are concentrated were also identified.Conducted in the study, on an actual topic, allowed us to draw conclusions about the state of development of lending to small and medium sized businesses, as well as to offer recommendations for improving an important aspect of the country's economy.

The introduction of a sanctions regime in relation to the national financial market by a number of western countries entailed significant risks. They wereexpressed in the restriction of freedom of movement of capital, increased competition. The task is set to ensure liquidity and stability of commercial banks in the interests of economic growth of the national economy. Features of the development of the banking system and its role in the Russian economy are determined by the state of the regional banking market. The development of the banking system plays an important role in ensuring the stability of the functioning of the regional economies. The development, maintenance and improvement of the level of development of regional banks is an important aspect that characterizes the level of development of the national banking system as a whole.The study is devoted to the analysis of regions in terms of the potential development of the banking business. The dynamics and volumes of loans and deposits in the regions were assessed. Trends have been identified that determine the development path of the banking sector: an unstable external environment, the active introduction of digital technologies, negative demographic dynamics, and rapidly changing business conditions. A modern banking business will be competitive if it abandons excess profits and is flexible to new business conditions.

One of the most important decisions of the current stage of development of the Russian economy is the process of restoring liquidity and solvency of the economy as a whole and its individual elements, especially the banking sector. The liquidity of the commercial Bank ensures uninterrupted sup- ply of financial flows to all branches of the national economy, forms the most significant macroeconomic indicators, increases the financial investments of customers, while meeting the demand for lending and the interests of the Bank’s shareholders, providing certain guarantees directly for the Bank itself. The level of liquidity of the banking sector of the Russian Federation is estimated on the basis of the analysis of the main factors affecting it: changes in cash in circulation in the Russian Federation indicate the frequency of seasonal fluctuations; the levels of cash balances on the government’s accounts are characterized by negative and positive peaks. To assess the liquidity of the banking sector studied and analyzed the following relative indicators: instant, current and long-term liquid- ity. These indicators objectively show the effectiveness of operations and activities of the banking sector. To assess the economic development of the region, the liquidity of the regional commercial Bank PJSC «Kurskprombank» was assessed. The analysis revealed that the banking system in the Russian Federation as a whole, and in the regions in particular, is sufficiently reliable and robust.

The article deals with the main macroeconomic indicators characterizing the state of the Russian economy such as: gross domestic product, industrial production index, manufacturing index, investment in fixed capital. Retail trade turnover, export and import of goods. The analysis of the considered indicators allowed to draw the following conclusions. There is growth: GDP, industrial production, investment in fixed capital, the share of investment in GDP and Federal budget revenues. The negative dynamics is demonstrated by the volume of exports and imports, labor productivity and the increase in the level of Federal budget expenditures over revenues. The generalized analysis shows that the most favorable year for the Russian economy is 2012. Many indicators, despite their growth, still cannot reach the pre-crisis level.The low efficiency of the Russian economy is primarily due to the global economic crisis, as well as the need to change and not to use the outdated model of economic growth. To solve these problems, it is necessary to implement an import substitution strategy to improve the competitiveness of the country’s economy and increase production.

In article the assessment of investment appeal of the Central Chernozem area is carried out, the analysis of investment potential and investment risk of Kursk region is made, and also the actions directed on decrease in regional investment risk are offered.