Financial globalization definitely has an overall effect on globalization in the banking sector. This is reflected in averaging of banking risks for all parties, which occurs due to the impact of the markets, economies, private corporations and monopolies as well as states on each other. As a result, just the opposite priorities in monetary policy may have the same beneficial effect. The aim of the study is to develop conceptual scientific and methodological research areas concerning diversification of banking risks in the context of financial globalization. As part of a comprehensive analysis of the resulting indicators of financial and economic activities of the Russian banking sector, the authors have assessed the key financial performance of the major lending institutions of the Russian banking system in order to identify the dependence of the Russian banking sector on external factors. Financial globalization in general, of course, affects the globalization in the banking sector in particular. This is reflected in averaging banking risks for all parties to the process as a result of the integrative impact of markets, economies, private corporations and monopolies. In this study the authors have presented the mechanism of integrative motion of economic processes with regard to the financial globalization impact on the results of the countries' monetary policy. Development of market relations and rapid financial globalization lead to permanent transformations of risks that require new approaches and methods of management.

The subject of this research is the study of resources attracted by banks as the main source of funding for developing fundraising. The author has developed a methodological approach to the study of the theoretical and practical foundations of attracted resources as part of the bank's resource base. Special attention is paid to conventional sources of funding that influence the structure of bank deposits, debt instruments and interbank loans.Bank resource base formed by household deposits what certainly emphasizes the significance of the source in terms of socio-economic aspects. The amounts and terms of savings directly demonstrate the quality of life in the country and the level of confidence in the banking system.Mobilizing temporarily free funds is one of the main functions of commercial banks. A special feature of the bank is operating primarily on the basis of attracted resources. Free funds accumulated by banks form the basis for active transactions; therefore, their volume and nature depend on the structure of attracted resources. Hence, an effective policy of attracting resources is the most important condition for its successful functioning.The instability of the country's economy, the volatility of the national currency, the tensions between countries, the weakening of the banking sector, coupled with high competition, undoubtedly have an impact on banking.Objective: to study the conceptual and practical aspects of a commercial bank's funding policy.The methodological foundations for this study are general, statistical and special research methods. The use of these methods allowed us to understand the issues being analyzed in more depth, to identify the specific structure of the bank's attracted resources as a basic source of funding.Main results: 1. The role of funding in the bank's activities has been determined. 2. The structure of banking resources and its main components have been considered. 3. Different conceptual approaches to the classification of attracted resources have been studied. 4. The relationship between the individual elements of the attracted resource base of the bank has been studied. 5. The modern preconditions for changes in the field of bank funding at the present stage have been identified.Key findings of the study: 1. The theoretical issues of the formation of bank resources have been considered. The resource base is the subject of debate among researchers.

Diversification of financial activity involves the use of alternative income opportunities from various financial transactions

The industrialization of the residential mortgage market during the pandemic has undergone significant changes, like all sectors of the economy, including the banking system. During the transformation, a positive dynamics has been noted in the volume of loans, which contradicts the usual scenarios for the behavior of the mortgage market in the period of the unstable macroeconomic situation in recent years. The crises of 2008 and 2014 showed the vulnerability of the banking system and the market for residential mortgage market, the lack of timely measures to prevent drastic consequences for the banks and the state. At the moment, it is important to understand what drivers triggered the growth in the volume of residential mortgage. The research analyzed the reasons that had a key impact on the mortgage market and the banking sector during the covid-19 pandemic. As a result of the study, the main factors that help to draw up directions and digital algorithms for further development have been highlighted and classified.

The subject of scientific research is economic relations arising in the process of establishing the value of Bitcoin in the financial market. The hypothesis that the Bitcoin market is really subject to the formation of financial bubbles, and that the most significant of them was observed in 2017. The phenomenon of cryptocurrency has arisen quite recently and, therefore, at present there are very few empirical and theoretical studies related to this problem. It should be noted that the interest of the scientific community in digital money is growing every year. The digitization of the financial segment is a priority in the framework of Russia's economic growth. As part of the research, the Bitcoin market was analyzed. Several financial bubbles have been identified, and an econometric model of the behavior of the Bitcoin value in the digital virtual instruments market has also been compiled. The relevance and debatable nature of the theoretical and methodological foundations of cryptocurrency in different markets, the high practical significance of digital money in the modern economic system predetermined the goal and objectives, determined the choice of the object of study. Purpose of the study: bitcoin cost behavior modeling in the digital finance market based on time series. The methodological basis of the present study includes the methods of system-structural, functional, factor and comparative analysis with the construction of analytical models based on the synthesis of modern scientific methods of knowledge of economic and social phenomena. The methodological tools of scientific research are graphic, analytical, statistical and economic-mathematical methods of information processing.