FEATURES OF THE FINANCIAL AND LEGAL STATUS OF BANKS WITH A BASIC LICENSE

Currently, the Russian banking system has undergone reforms, this determines the need for a scientific understanding of the division of banks into banks with a basic and universal license. Purpose of work it is a study of the features of the financial and legal status of banks with a basic license, in connection with which the following elements are distinguished tasks: to consider the formation of the Russian banking system at the current stage; to study the features of the financial and legal status of the basic banking license; to get acquainted with the difference between banks with universal and basic licenses; to determine the prospects for the development of the Russian banking system in the transition to proportional regulation. The methodological framework the research consisted of both General scientific methods and special legal methods. Results: the study of the financial scientific approach-legal regulation of the author's position, allowing the Bank of Russia to determine the prospects for the development and development of the banking system. Conclusions: the application of financial and legal regulation of the banking system in the form in which it is applied by the legislator will inevitably strengthen the role of large banks and increase financial resources in a narrow circle of the banking sector. The influence of the state is growing on the work of banks, which indicates the need to strengthen the state's responsibility for mistakes in decision-making concerning the development and strengthening of the banking system. Supporting banks of systemic importance at the expense of the budget, the state must justify the feasibility and effectiveness of decisions.

Central Bank of the Russian Federation, banking system, financial system, banking legislation, financial and legal regulation, banks with basic license, banks with universal license