Problems of development of the deposit market of Russia

This article analyzes the problems of the deposit market development related to the limited resource base of banks for long-term lending and investment in Russia. The conjunctural overview of the bank deposit market and ideas for its development are presented. The necessity of solving the problem of "long" money for the development of the real sector of the economy through the general growth of bank deposits of individuals and an increase in the share and duration of term deposits is substantiated. A solution is proposed to increase longterm resources by placing funds of individual pension savings in the banking system using a floating interest rate.