Achieving a balance in the management of banking transactions in the crisis tendencies in the national banking system becomes a priority for bank management. The need for finding a solution to this problem is determined by the persistence in the national banking sector a number of dislocations caused by narrowing of the resource base of loan companies, by low efficiency of bank capital allocation, and high-risk credit policy. These dislocations determine the imbalance of the banks' policies and cause the strengthening of the financial sector of point defaults, which inevitably lead to the systemic risk of the entire banking sector activities. The solution of the designated problem requires the development of methodological tools and allows us to give a comprehensive assessment of the balance of the banking policy of loan companies and to take timely organizational actions. In this article the authors proved the approach to assessing the balance of the banks' policies, based on a comprehensive analysis of the balance between active and passive banking operations, including liquidity, stability, profitability as well as risks and assets' quality. The assessment is made through calculating the coefficients and indicators for the above criteria groups that allows ranging loan companies depending on the actual value of the resulting final indicators in banks with: 1) high-balanced; 2) satisfactory-balanced; 3) low-balanced bank policy.
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The textbook reveals the theoretical and practical foundations of the organization of state and municipal finance. It examines the economic role and functions of the state, the current state of the state and municipal sectors of the economy, public finance management, the essence of the budget and state extra-budgetary funds, the organization of the budget process. Priorities and main directions of development of the budget structure and budget system of the Russian Federation, tendencies of development of sovereign funds of the state as a monetary resource are analyzed. Special attention is paid to the formation and implementation of the budget policy of the Russian Federation, the formation of inter-budgetary relations, trends in the development of public credit and public debt, the peculiarities of the provision of state (municipal) services and procurement.
The content of the textbook meets the requirements of the Federal state educational institution IN the areas of bachelor's and master's degrees of the enlarged group of specialties 380000 "Economics and management".
The textbook is intended for students, postgraduates and teachers of economic and managerial areas of training, students of courses and faculties of qualification improvement, employees of financial authorities and persons independently studying state and municipal Finance.
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