The mobilisation of resources determines the investment activity of banks for investment purposes. It is an important direction of development of the country’s economy, which emphasises the relevance of the study. The purpose of the article is to determine the investment potential of banks and their investment targets. The current state of the investment portfolio of banks was assessed using quantitative, comparative, structural and factor methods. The logic of the study allowed us to evaluate the activity of banks in the securities market and identify the acute problem of market capture by large banks. As a result, competition with other banks does not develop and the monopoly of Moscow banks increases. The authors analysed the quality of the bank’s investment portfolio by evaluating the volume and structure of attracted resources and identifying their risk level. A systematic and comprehensive approach to the analysis of investment activities of banks allowed the authors to make several recommendations for its improvement, which determines the scientific and practical significance of the study
The role of investment by credit institutions, including investment lending, is increasing against the backdrop of the consequences of economic crises in the country and the world, the negative impact of the coronavirus pandemic, and a shortage of long-term resources. The most important problems in the development of investment activities in modern Russia are an acute shortage of long-term money, imperfect conditions for guaranteeing the return of resources and the presence of high risks of credit institutions from participating in the investment process. The purpose of the article is to determine the priority areas of investment activities of credit institutions. The current trend of their investment activity is assessed by the authors by quantitative, comparative, structural and factor methods. The logic of the study made it possible to assess the activity of credit institutions in the securities market. By analyzing and summarizing statistical data, the authors identified the priority tasks of the shortage of long-term resources and determined promising interaction with NPFs. The study revealed the limited long-term resources and high risks of credit institutions, which do not allow them to invest in the real sector of the economy. The authors determined the assessment of the structure of attracted resources in investments, identified the negative factors holding back investments. A systematic and comprehensive approach to the analysis of the directions of investment activity of credit institutions made it possible to make a number of recommendations for its improvement. According to the authors, it is necessary to form a comprehensive mechanism containing legislative measures to stimulate the accumulation of long-term resources, increase the volume of capital of credit institutions, and minimize the risks of investing in the real sector of the economy. The authors propose specific measures that activate investment activities, providing profitability with an increased guarantee of the return of resources and minimizing risk. Joint activities of credit institutions, financial intermediaries (NPF, insurance companies) and the state will ensure the attraction of long-term resources in the investment process, contributing to the rapid economic growth in general. This determines the scientific and practical significance of the research.
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