Колбина Е. О

The article explores the financing conditions of the investment demand of the real sector of economy with resources of the regional banking system. The article is based on the analysis of the existing impressions of the correlation character between the financial sector development level and the growth rates of regional economy, as well as approaches to explaining the investment and lending activity of the banks under economic and structural differences of different territorial entities of the Russian Federation. The research has been conducted utilizing the official data of the Federal Russian Statistical Service, data from the banking statistical sources, and data obtained during September of 2015 and March of 2016 monitoring of the banks, doing business in the region, including the affiliates of non-regional banks. The methodological apparatus of the research includes mathematical methods of processing of statistical data and data from sociological surveys of the banking experts. Validation of the methodological apparatus has been done using the example of the Khabarovsk Territory, which is considered to be representative of the Far East region: The Khabarovsk Territory includes both southern territories with high population density and high levels of economic activity, as well as northern territories, which have relatively low economic development rates. The character of spatial distribution of the economic activity predicates the concentration of the credit institutes in large population centers and significant differentiation in levels of access to banking services of businesses and population in different parts of the Khabarovsk Territory. Based on the results of the study, the pattern of participation of the banks in financing the real sector of the regional economy is influenced by a number of factors. It has been demonstrated that the experience of the past periods, economic expectations, the architecture of the banking system, as well as level of the financial management of companies greatly influence forecasting the results of demand and supply of banking services. The abovementioned factors also define the volumes and limits of lending, offered to the companies in specific region in specific period of time.