V stat'e rassmatrivayutsya aktual'nye aspekty regulirovaniya minimal'nogo razmera sobstvennogo kapitala kommercheskogo banka. Pokazano, chto osnovnoy prichinoy regulirovaniya bankovskoy deyatel'nosti yavlyaetsya stremlenie minimizirovat' negativnye social'no-ekonomicheskie posledstviya bankrotstva kreditnyh organizaciy, a ne organizacionno-ekonomicheskie aspekty povysheniya effektivnosti ih deyatel'nosti. Na osnovanii dannyh po bankovskoy sisteme Rossii v 2009-2013 gg. vyyavleno, chto tipichnaya biznes-model' malyh bankov znachitel'no otlichaetsya ot krupnyh bankov, chto, v svoyu ochered', vliyaet na effektivnost' i ustoychivost' takih bankov. Avtorom sformulirovany rekomendacii po obosnovaniyu trebovaniy k minimal'nomu razmeru sobstvennogo kapitala kommercheskih bankov.
sobstvennyy kapital banka, rentabel'nost' banka, ustoychivost' banka, kvintil'nyy analiz, mikroprudencial'noe regulirovanie, bankovskaya sistema Rossii
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