The Modern System of Regulation in the Sphere of Financial Intermediation: Methodological Approaches and Solutions

Natalia Victorovna Kuznetsova and Ludmila Ivanovna Votinseva

Department of World Economy, School of Economics and Management, Far Eastern Federal University, Russia, 690950, Vladivostok, Suhanova St. 8, Russia

DOI : http://dx.doi.org/10.13005/bbra/1485

ABSTRACT: The aim of this research is to develop, on the basis of the synthesis of accumulated theoretical knowledge and practical experience, the methodological approaches to the concept of development and transformation of financial intermediation of banks in information and financial. The description of the new methodology of the relationship of information and the credit market and its regional segment led to the following conclusions. Information and credit market (ICM) has a sign of integrity, functioning of the whole set of its elements subordinate to the main goal - to overcome the information asymmetry, the effectiveness of mediation, but at the same time, the sum of all the qualities of ICM is not reducible to the sum of the qualities of its constituent elements. Conditioning behavior (existence of development) of the system depends on the behavior of its individual elements, to which, of course, can and should include the regional part of the information and credit market. The last mentioned one is structured, the behavior is determined by his analysis of the structural, because of the conduct of information and credit market as a whole is not so much the behavior of its individual elements as properties of the structure. That allows you to replicate the behavior of the system on its side, and at the same time part of the information and credit market affect the development of the market.

KEYWORDS: financial intermediation; banks; risk; information and credit market; Intermediation risk; collection agencies; process of disintermediation

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