Banking services in Russia: theory and fact /english/ (WinWord)

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Candidate Name.Polozov Alexander.
Category and Candidate Number.0-0460-013
Extended essay.
Economics.
Banking services in Russia: theory and fact.
Abstract.
The topic of my essay is the banking system of Russia. The situation in Russia nowadays, due to the historic and unprecedented changes occurring in this country, is one of the most interesting fields of analysis and research. While studying the materials on the banking system in Russia I came across many deviations from the well-established standards of the banking system in Europe and some facts showing that in real life banks in Russia do not follow laws and regulations. So in my research I try to answer two questions.
Is the banking system in Russia fully developed?
Bank services in Russia: theory and fact. Do they differ?
In order to answer the first question I compared the European banking system to the current banking system in Russia as it is regulated by laws and by governmental acts and decisions.
In order to answer the second question I analyzed the information I received while studying the activity of the ''Incombank'' branch in Chelyabinsk and while interviewing clients of other banks in Chelyabinsk in the summer of 1997.
I have analyzed the theory and fact of the banking system from the definition of non-traditional operations and could state that out of seven positions I have looked into, only in four does the banking system in Russia agree with the European banking system. The differences lie in the limitations for the private sector and in prolonging bank operations for companies. From this information, we can conclude that the Russian banking system has not fully developed yet.
Evaluating the activity of Russian banks in practice I could state that theory and fact differ along all lines.
The Russian government should review its banking regulations and banks should enforce these laws without breaking them.
Banking services in Russia: theory and fact.
The economic situation in Russia, due

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