Current State and Perspectives of Securitization Processes in the Russian Federation
Purpose: The study is aimed not only at determining the current state of the bank asset securitization market but also at developing methods and ways to improve the processes of bank asset securitization in Russia. Design/methodology/approach: The article presents the results of a survey of Russian...
Ausführliche Beschreibung
Gespeichert in:
| Autor*in: |
Mariia Nikolaevna [verfasserIn] |
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| Format: |
E-Artikel |
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| Sprache: |
Englisch |
| Erschienen: |
2020 |
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| Schlagwörter: |
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| Übergeordnetes Werk: |
In: International Journal of Business and Economic Sciences Applied Research - Eastern Macedonia and Thrace Institute of Technology, 2017, 13(2020), 3, Seite 45-55 |
|---|---|
| Übergeordnetes Werk: |
volume:13 ; year:2020 ; number:3 ; pages:45-55 |
| Links: |
Link aufrufen |
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| DOI / URN: |
10.25103/ijbesar.133.04 |
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| Katalog-ID: |
DOAJ053016599 |
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| 520 | |a Purpose: The study is aimed not only at determining the current state of the bank asset securitization market but also at developing methods and ways to improve the processes of bank asset securitization in Russia. Design/methodology/approach: The article presents the results of a survey of Russian market securitization over the last 10 years, where the author separately considers mortgage and non-mortgage securitization, conducts a discrete analysis of regulatory changes in securitization, and identifies the main problems in the development of this important economic process and the issues that have remained unresolved during the decade. The main methods of study chosen by the author are systematization, generalization and econometric analysis. Finding: The author has demonstrated that there is a strong inverse relationship between the mortgage lending volume and the interest rate, and has built a linear function of the estimated mortgage lending volume. The excess in the real mortgage lending volume over the estimates confirms that the current state policy, including state support and reduction of the Central Bank key rate, in the sphere of mortgage lending is indeed stimulating. Research limitations/implications: The development of securitization in Russia has been constrained not only by sanctions and bureaucratic inconsistencies in the requirements set for securitized assets, but also by delay in the access of the official bodies such as the Federal Service for State Registration, the Cadastre, and Cartography (“Rosreestre”) to modern technologies, as well as by the insecurity and distrust of digital financial service technologies.Quite different conclusions follow from the analysis of non-mortgage securitization, where the author supports and develops critical remarks expressed by other researchers in previous years. Originality/value: The survey results not only show the achievements of mortgage lending in Russia in recent years, but also provide valuable recommendations to help support the positive dynamics of mortgage lending and securitization development in the Russian Federation. | ||
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10.25103/ijbesar.133.04 doi (DE-627)DOAJ053016599 (DE-599)DOAJ96ee6851d0f4416abf7c9915eede2ba9 DE-627 ger DE-627 rakwb eng HF5001-6182 Mariia Nikolaevna verfasserin aut Current State and Perspectives of Securitization Processes in the Russian Federation 2020 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Purpose: The study is aimed not only at determining the current state of the bank asset securitization market but also at developing methods and ways to improve the processes of bank asset securitization in Russia. Design/methodology/approach: The article presents the results of a survey of Russian market securitization over the last 10 years, where the author separately considers mortgage and non-mortgage securitization, conducts a discrete analysis of regulatory changes in securitization, and identifies the main problems in the development of this important economic process and the issues that have remained unresolved during the decade. The main methods of study chosen by the author are systematization, generalization and econometric analysis. Finding: The author has demonstrated that there is a strong inverse relationship between the mortgage lending volume and the interest rate, and has built a linear function of the estimated mortgage lending volume. The excess in the real mortgage lending volume over the estimates confirms that the current state policy, including state support and reduction of the Central Bank key rate, in the sphere of mortgage lending is indeed stimulating. Research limitations/implications: The development of securitization in Russia has been constrained not only by sanctions and bureaucratic inconsistencies in the requirements set for securitized assets, but also by delay in the access of the official bodies such as the Federal Service for State Registration, the Cadastre, and Cartography (“Rosreestre”) to modern technologies, as well as by the insecurity and distrust of digital financial service technologies.Quite different conclusions follow from the analysis of non-mortgage securitization, where the author supports and develops critical remarks expressed by other researchers in previous years. Originality/value: The survey results not only show the achievements of mortgage lending in Russia in recent years, but also provide valuable recommendations to help support the positive dynamics of mortgage lending and securitization development in the Russian Federation. securitized assets mortgage mortgage bonds mortgage loan commercial bank securitization Business In International Journal of Business and Economic Sciences Applied Research Eastern Macedonia and Thrace Institute of Technology, 2017 13(2020), 3, Seite 45-55 (DE-627)836177622 (DE-600)2836461-2 24080101 nnns volume:13 year:2020 number:3 pages:45-55 https://doi.org/10.25103/ijbesar.133.04 kostenfrei https://doaj.org/article/96ee6851d0f4416abf7c9915eede2ba9 kostenfrei http://ijbesar.ihu.gr/docs/volume13_issue3/13_03_04.pdf kostenfrei https://doaj.org/toc/2408-0098 Journal toc kostenfrei https://doaj.org/toc/2408-0101 Journal toc kostenfrei GBV_USEFLAG_A SYSFLAG_A GBV_DOAJ GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_374 GBV_ILN_602 GBV_ILN_2006 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2014 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2055 GBV_ILN_2108 GBV_ILN_2111 GBV_ILN_2863 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4046 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 13 2020 3 45-55 |
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10.25103/ijbesar.133.04 doi (DE-627)DOAJ053016599 (DE-599)DOAJ96ee6851d0f4416abf7c9915eede2ba9 DE-627 ger DE-627 rakwb eng HF5001-6182 Mariia Nikolaevna verfasserin aut Current State and Perspectives of Securitization Processes in the Russian Federation 2020 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Purpose: The study is aimed not only at determining the current state of the bank asset securitization market but also at developing methods and ways to improve the processes of bank asset securitization in Russia. Design/methodology/approach: The article presents the results of a survey of Russian market securitization over the last 10 years, where the author separately considers mortgage and non-mortgage securitization, conducts a discrete analysis of regulatory changes in securitization, and identifies the main problems in the development of this important economic process and the issues that have remained unresolved during the decade. The main methods of study chosen by the author are systematization, generalization and econometric analysis. Finding: The author has demonstrated that there is a strong inverse relationship between the mortgage lending volume and the interest rate, and has built a linear function of the estimated mortgage lending volume. The excess in the real mortgage lending volume over the estimates confirms that the current state policy, including state support and reduction of the Central Bank key rate, in the sphere of mortgage lending is indeed stimulating. Research limitations/implications: The development of securitization in Russia has been constrained not only by sanctions and bureaucratic inconsistencies in the requirements set for securitized assets, but also by delay in the access of the official bodies such as the Federal Service for State Registration, the Cadastre, and Cartography (“Rosreestre”) to modern technologies, as well as by the insecurity and distrust of digital financial service technologies.Quite different conclusions follow from the analysis of non-mortgage securitization, where the author supports and develops critical remarks expressed by other researchers in previous years. Originality/value: The survey results not only show the achievements of mortgage lending in Russia in recent years, but also provide valuable recommendations to help support the positive dynamics of mortgage lending and securitization development in the Russian Federation. securitized assets mortgage mortgage bonds mortgage loan commercial bank securitization Business In International Journal of Business and Economic Sciences Applied Research Eastern Macedonia and Thrace Institute of Technology, 2017 13(2020), 3, Seite 45-55 (DE-627)836177622 (DE-600)2836461-2 24080101 nnns volume:13 year:2020 number:3 pages:45-55 https://doi.org/10.25103/ijbesar.133.04 kostenfrei https://doaj.org/article/96ee6851d0f4416abf7c9915eede2ba9 kostenfrei http://ijbesar.ihu.gr/docs/volume13_issue3/13_03_04.pdf kostenfrei https://doaj.org/toc/2408-0098 Journal toc kostenfrei https://doaj.org/toc/2408-0101 Journal toc kostenfrei GBV_USEFLAG_A SYSFLAG_A GBV_DOAJ GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_374 GBV_ILN_602 GBV_ILN_2006 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2014 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2055 GBV_ILN_2108 GBV_ILN_2111 GBV_ILN_2863 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4046 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 13 2020 3 45-55 |
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10.25103/ijbesar.133.04 doi (DE-627)DOAJ053016599 (DE-599)DOAJ96ee6851d0f4416abf7c9915eede2ba9 DE-627 ger DE-627 rakwb eng HF5001-6182 Mariia Nikolaevna verfasserin aut Current State and Perspectives of Securitization Processes in the Russian Federation 2020 Text txt rdacontent Computermedien c rdamedia Online-Ressource cr rdacarrier Purpose: The study is aimed not only at determining the current state of the bank asset securitization market but also at developing methods and ways to improve the processes of bank asset securitization in Russia. Design/methodology/approach: The article presents the results of a survey of Russian market securitization over the last 10 years, where the author separately considers mortgage and non-mortgage securitization, conducts a discrete analysis of regulatory changes in securitization, and identifies the main problems in the development of this important economic process and the issues that have remained unresolved during the decade. The main methods of study chosen by the author are systematization, generalization and econometric analysis. Finding: The author has demonstrated that there is a strong inverse relationship between the mortgage lending volume and the interest rate, and has built a linear function of the estimated mortgage lending volume. The excess in the real mortgage lending volume over the estimates confirms that the current state policy, including state support and reduction of the Central Bank key rate, in the sphere of mortgage lending is indeed stimulating. Research limitations/implications: The development of securitization in Russia has been constrained not only by sanctions and bureaucratic inconsistencies in the requirements set for securitized assets, but also by delay in the access of the official bodies such as the Federal Service for State Registration, the Cadastre, and Cartography (“Rosreestre”) to modern technologies, as well as by the insecurity and distrust of digital financial service technologies.Quite different conclusions follow from the analysis of non-mortgage securitization, where the author supports and develops critical remarks expressed by other researchers in previous years. Originality/value: The survey results not only show the achievements of mortgage lending in Russia in recent years, but also provide valuable recommendations to help support the positive dynamics of mortgage lending and securitization development in the Russian Federation. securitized assets mortgage mortgage bonds mortgage loan commercial bank securitization Business In International Journal of Business and Economic Sciences Applied Research Eastern Macedonia and Thrace Institute of Technology, 2017 13(2020), 3, Seite 45-55 (DE-627)836177622 (DE-600)2836461-2 24080101 nnns volume:13 year:2020 number:3 pages:45-55 https://doi.org/10.25103/ijbesar.133.04 kostenfrei https://doaj.org/article/96ee6851d0f4416abf7c9915eede2ba9 kostenfrei http://ijbesar.ihu.gr/docs/volume13_issue3/13_03_04.pdf kostenfrei https://doaj.org/toc/2408-0098 Journal toc kostenfrei https://doaj.org/toc/2408-0101 Journal toc kostenfrei GBV_USEFLAG_A SYSFLAG_A GBV_DOAJ GBV_ILN_11 GBV_ILN_20 GBV_ILN_22 GBV_ILN_23 GBV_ILN_24 GBV_ILN_39 GBV_ILN_40 GBV_ILN_60 GBV_ILN_62 GBV_ILN_63 GBV_ILN_65 GBV_ILN_69 GBV_ILN_70 GBV_ILN_73 GBV_ILN_95 GBV_ILN_105 GBV_ILN_110 GBV_ILN_151 GBV_ILN_152 GBV_ILN_161 GBV_ILN_206 GBV_ILN_213 GBV_ILN_230 GBV_ILN_285 GBV_ILN_293 GBV_ILN_370 GBV_ILN_374 GBV_ILN_602 GBV_ILN_2006 GBV_ILN_2009 GBV_ILN_2010 GBV_ILN_2014 GBV_ILN_2020 GBV_ILN_2021 GBV_ILN_2027 GBV_ILN_2034 GBV_ILN_2055 GBV_ILN_2108 GBV_ILN_2111 GBV_ILN_2863 GBV_ILN_4012 GBV_ILN_4037 GBV_ILN_4046 GBV_ILN_4112 GBV_ILN_4125 GBV_ILN_4126 GBV_ILN_4249 GBV_ILN_4305 GBV_ILN_4306 GBV_ILN_4307 GBV_ILN_4313 GBV_ILN_4322 GBV_ILN_4323 GBV_ILN_4324 GBV_ILN_4325 GBV_ILN_4326 GBV_ILN_4335 GBV_ILN_4338 GBV_ILN_4367 GBV_ILN_4700 AR 13 2020 3 45-55 |
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Current State and Perspectives of Securitization Processes in the Russian Federation |
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Purpose: The study is aimed not only at determining the current state of the bank asset securitization market but also at developing methods and ways to improve the processes of bank asset securitization in Russia. Design/methodology/approach: The article presents the results of a survey of Russian market securitization over the last 10 years, where the author separately considers mortgage and non-mortgage securitization, conducts a discrete analysis of regulatory changes in securitization, and identifies the main problems in the development of this important economic process and the issues that have remained unresolved during the decade. The main methods of study chosen by the author are systematization, generalization and econometric analysis. Finding: The author has demonstrated that there is a strong inverse relationship between the mortgage lending volume and the interest rate, and has built a linear function of the estimated mortgage lending volume. The excess in the real mortgage lending volume over the estimates confirms that the current state policy, including state support and reduction of the Central Bank key rate, in the sphere of mortgage lending is indeed stimulating. Research limitations/implications: The development of securitization in Russia has been constrained not only by sanctions and bureaucratic inconsistencies in the requirements set for securitized assets, but also by delay in the access of the official bodies such as the Federal Service for State Registration, the Cadastre, and Cartography (“Rosreestre”) to modern technologies, as well as by the insecurity and distrust of digital financial service technologies.Quite different conclusions follow from the analysis of non-mortgage securitization, where the author supports and develops critical remarks expressed by other researchers in previous years. Originality/value: The survey results not only show the achievements of mortgage lending in Russia in recent years, but also provide valuable recommendations to help support the positive dynamics of mortgage lending and securitization development in the Russian Federation. |
| abstractGer |
Purpose: The study is aimed not only at determining the current state of the bank asset securitization market but also at developing methods and ways to improve the processes of bank asset securitization in Russia. Design/methodology/approach: The article presents the results of a survey of Russian market securitization over the last 10 years, where the author separately considers mortgage and non-mortgage securitization, conducts a discrete analysis of regulatory changes in securitization, and identifies the main problems in the development of this important economic process and the issues that have remained unresolved during the decade. The main methods of study chosen by the author are systematization, generalization and econometric analysis. Finding: The author has demonstrated that there is a strong inverse relationship between the mortgage lending volume and the interest rate, and has built a linear function of the estimated mortgage lending volume. The excess in the real mortgage lending volume over the estimates confirms that the current state policy, including state support and reduction of the Central Bank key rate, in the sphere of mortgage lending is indeed stimulating. Research limitations/implications: The development of securitization in Russia has been constrained not only by sanctions and bureaucratic inconsistencies in the requirements set for securitized assets, but also by delay in the access of the official bodies such as the Federal Service for State Registration, the Cadastre, and Cartography (“Rosreestre”) to modern technologies, as well as by the insecurity and distrust of digital financial service technologies.Quite different conclusions follow from the analysis of non-mortgage securitization, where the author supports and develops critical remarks expressed by other researchers in previous years. Originality/value: The survey results not only show the achievements of mortgage lending in Russia in recent years, but also provide valuable recommendations to help support the positive dynamics of mortgage lending and securitization development in the Russian Federation. |
| abstract_unstemmed |
Purpose: The study is aimed not only at determining the current state of the bank asset securitization market but also at developing methods and ways to improve the processes of bank asset securitization in Russia. Design/methodology/approach: The article presents the results of a survey of Russian market securitization over the last 10 years, where the author separately considers mortgage and non-mortgage securitization, conducts a discrete analysis of regulatory changes in securitization, and identifies the main problems in the development of this important economic process and the issues that have remained unresolved during the decade. The main methods of study chosen by the author are systematization, generalization and econometric analysis. Finding: The author has demonstrated that there is a strong inverse relationship between the mortgage lending volume and the interest rate, and has built a linear function of the estimated mortgage lending volume. The excess in the real mortgage lending volume over the estimates confirms that the current state policy, including state support and reduction of the Central Bank key rate, in the sphere of mortgage lending is indeed stimulating. Research limitations/implications: The development of securitization in Russia has been constrained not only by sanctions and bureaucratic inconsistencies in the requirements set for securitized assets, but also by delay in the access of the official bodies such as the Federal Service for State Registration, the Cadastre, and Cartography (“Rosreestre”) to modern technologies, as well as by the insecurity and distrust of digital financial service technologies.Quite different conclusions follow from the analysis of non-mortgage securitization, where the author supports and develops critical remarks expressed by other researchers in previous years. Originality/value: The survey results not only show the achievements of mortgage lending in Russia in recent years, but also provide valuable recommendations to help support the positive dynamics of mortgage lending and securitization development in the Russian Federation. |
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| title_short |
Current State and Perspectives of Securitization Processes in the Russian Federation |
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https://doi.org/10.25103/ijbesar.133.04 https://doaj.org/article/96ee6851d0f4416abf7c9915eede2ba9 http://ijbesar.ihu.gr/docs/volume13_issue3/13_03_04.pdf https://doaj.org/toc/2408-0098 https://doaj.org/toc/2408-0101 |
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