Statistic Analysis of Bank Deposit Insurance System in the Russian Federation

In the last decade in crisis conditions of country economy, withdrawal of licenses of many commercial banks due to deterioration of their finance standing and low confidence of people to the banking system because of insufficient finance literacy the system of compulsory insurance of deposits became a necessary tool for raising funds into country economy. The article provides a complex analysis of operation of the Agency on Deposit Insurance from 2004 to 2023, which includes dynamics of insurance premium, structure of insured resources and efficiency of system functioning. The author elaborated graphic materials demonstrating structural features of the deposit insurance system. Regularities in the work of deposit insurance system were identified, such as reduction in the number of insurance events during the last years, changes in the structure of satisfied claims on order, trends in dynamics of insurance premium. The importance of the Agency on Deposit Insurance as a key institution in the development of finance sector of the country and raising investment into economy.

1. Zorkina A. Yu. Nekotorye problemy statusa Agentstva po strakhovaniyu vkladov [Some Problems Concerning Status of the Agency on Deposit Insurance]. Mezhdistsiplinarnye issledovaniya: opyt proshlogo, vozmozhnosti nastoyashchego, strategii budushchego [Inter-Disciplinary Research: Experience of the Past, Opportunities of the Present, Strategy of the Future], 2021, No. 1, pp. 103–109. (In Russ.).

2. Lapteva E. V. Dinamicheskiy analiz i prognozirovanie osnovnykh ekonomicheskikh pokazateley razvitiya bankovskogo sektora Rossiyskoy Federatsii [Dynamic Analysis and Forecast of Key Economic Figures of Banking Sector of the Russian Federation]. Statisticheskie metody v gumanitarnykh i ekonomicheskikh naukakh: materialy mezhdunarodnoy nauchnoprakticheskoy konferentsii [Statistic Methods in Humanitarian and Economic Sciences: materials of the International Conference]. Orenburg, 2016, pp. 177–179. (In Russ.).

3. Smirnova E. A. Agentstvo po strakhovaniyu vkladov: ego rol v bankovskoy sisteme i perspektivy razvitiya [The Agency on Deposit Insurance: its Role in Banking System and Prospects of Development]. Nauchniy vestnik: finansy, banki, investitsii [Academic Bulletin: Finance, Banks, Investment], 2019, No. 2 (39), pp. 47–52. (In Russ.).

4. Timshin Yu. P. Strakhovanie vkladov pri bankrotstve kreditnykh organizatsiy: otechestvenniy i zarubezhniy opyt [Deposit Insurance in Credit Organization Bankruptcy: Home and Overseas Experience]. Evraziyskiy nauchniy zhurnal [Eurasian Academic Journal], 2022, No. 7, pp. 89–93. (In Russ.).

5. Travkina E. V., Alekseev R. V. Otsenka deyatelnosti agentstva po strakhovaniyu vkladov v sovremennykh usloviyakh: tendentsii i riski [Assessing Operation of the Agency on Deposit Insurance in Current Conditions: Trends and Risks]. Finansovye rynki i banki [Financial Markets and banks], 2023, No. 10, pp. 36–40. (In Russ.).