Impact of Macroprudential Supervisory Tools on Banking Decision-making

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Abstract

The goal of the article is to identify the regularity of the influence of customers ‘financial indicators, such as the level of credit history and the size of the down payment on the banks’ decision to grant a loan. The author analyses how an increase in credit risk and a lower down payment require banks to hold more capital reserves to secure credit. In the study, what makes credit less attractive to banks and what reduces the likelihood of approval of applications are identified. The paper also examines possible strategies for risk management and optimization of credit terms to improve banking efficiency. The research methods consist of analysis, systematization of risks and synthesis of sources that help to better understand banking mechanisms in the current realities. The results achieved by the study are as follows: the application of macroprudential supervision tools (differentiated capital and risk ratio surcharges) ensures financial stability and helps to manage risks in the banking system and the economy.

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About the authors

Denis A. Podolyako

«GS-SAVVINO-SPECIAL DEVELOPER»

Author for correspondence.
Email: denispodoly@gmail.com
SPIN-code: 7446-4890

Project Coordinator

Russian Federation, Moscow

Mikhail M. Ishchenko

Moscow State Institute of International Relations (University) Russian Foreign Ministry

Email: Ishchenko.Mikhail@yandex.ru
SPIN-code: 2970-3511

Senior Researcher Departments of Asset Management

Russian Federation, Moscow

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