The Fisher effect as an indicator of the optimal interaction of banks and the real sector of the economy

The problem of compromise of interests of banks and the real sector became particularly acute with the introduction of anti-Russian sanctions. Access to long cheap money in the West is closed, as well as to productive assets and technology. These aspects resulted in a contradictory situation: on the one hand you must support the Russian manufacturer of the borrowed Bank resources loyal conditions, on the other hand, banks are unable these terms to provide themselves and need the support of the cheap long-term money. The article considers and analyzes the main Bank strategy as a tool for the implementation of the interaction of banks and manufacturers. Credit-investment strategy specify the types, conditions, amounts and structure of active operations and ways of their implementation (implementation) and behavior of the Bank in appropriate segments of the financial market. Deposit-accumulation strategy defines the types, conditions, amounts and structure of passive operations, and also the behavior of the Bank on certain market segments, taking into account the influence of external and internal factors (including crises and their possible consequences). Interest-pricing strategy determines a reasonable amount of interest on loans and deposits, as well as tariffs (price terms) of provision of Bank services, including list of operations conducted by them free of charge. Is part of the strategies discussed earlier. An inaccurate account of inflation risks in interest rates gives rise to impairment of deposits and loans. These processes are known as the Fisher effect, which is proposed to be used as indicator of equilibrium between the banking and real sectors of the economy. The conclusions about the necessity of improving the methods for calculating interest rates and some recommendations, the necessity of state support for optimizing profitable credit and investment cooperation between banks and Industrialists. 

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