President Alexander Mosoblbanka Malczewski in an interview Bankir.Ru noted that the current situation for banks is inevitable search for new sources of funding, including on international markets. The crisis has exacerbated the issue of diversification and ramification of the resource base for all Russian banks. Most of the banks by increasing the number of funding sources are trying to minimize the risks. There are lending institutions that do not take deposits from the public, have begun to attract, and those who are funded largely through contributions go further borrowing domestically and abroad.

expert believes that medium-sized banks should diversify its sources of funding, but to engage in a classic, straightforward business. Small scale bank is good in that giant book with him, as a rule, no. This means that the credit institution has a lesser degree, depending on individual customers and is subject to less risk. With a developed network of the bank has the necessary territorial coverage and a convenient framework for solving local problems in certain regions. Taken together, these features make the average pot is very effective and sustainable organization.

According to A. Malczewski, should be separation between the classical bank and investment business. Normal bank less risk than an investment. At any credit organization tied a lot of actors: not only companies but also private investors. The bank is obliged to respect the interests of depositors and any operations of the bank should not create a threat to them. Within reasonable limits you can buy the stock of assets, but only in order to diversify and maximize profits. Investments should not become an eternal pursuit of easy profits, – the expert concludes.

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