Purpose

The purpose of this paper is to study the current state of the Russian banking system in the context of digital economy development, to establish and identify the benchmarks and needs of legal regulation, to study the potential possibilities of digitalization of relations in the banking sector in the mechanism of implementing prudential rules.

Design/methodology/approach

Using the method of political and legal analysis used in this study, the legal guidelines for the digitalization of the banking sector and the financial services market have been determined, which in the Russian legal system are strategic planning documents.

Findings

International research in the field of banking indicates that digitalization and globalization of the economy stimulate the processes of international regulatory cooperation and harmonization of legislation, the use of new approaches in the development and adoption of regulations in the financial market. The growth of digitalization of relations in the banking sector will contribute to the effective implementation of prudential rules, including those related to the need to protect public interests.

Originality/value

The study revealed a number of issues related to the digitalization of the activities of credit institutions that are professional participants in the securities market and the central bank as a financial mega-regulator, requiring a legal solution. Measures aimed at improving the current legislation and procedures of state regulation and supervision are proposed.

中文翻译：

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可持续发展背景下的银行系统数字化转型

目的

本文的目的是研究数字经济发展背景下俄罗斯银行体系的现状，建立和确定法律监管的基准和需求，研究银行业关系数字化的潜在可能性。审慎规则的执行机制。

设计/方法/方法

使用本研究中使用的政治和法律分析方法，确定了银行业和金融服务市场数字化的法律指导方针，这在俄罗斯法律体系中是战略规划文件。

发现

银行业领域的国际研究表明，经济的数字化和全球化刺激了国际监管合作和立法协调的进程，以及在金融市场监管的制定和采用中使用新方法。银行业关系数字化的发展将有助于审慎规则的有效实施，包括与保护公共利益相关的规则。

原创性/价值

该研究揭示了与作为证券市场专业参与者的信贷机构和作为金融超级监管机构的中央银行活动数字化相关的一些问题，需要法律解决。提出了旨在完善国家监管和监督的现行立法和程序的措施。