ФИНАНСОВОЕ КОНСУЛЬТИРОВАНИЕ КАК СПОСОБПОВЫШЕНИЯ КОНКУРЕНТОСПОСОБНОСТИБАНКОВСКИХ УСЛУГ
Authors: ЛАВРЕНТЬЕВ С.Ю. , ПОПОВА Н.Н. , ПОПОВ А.Н. 
Published: February 2025

Через призму влияния глобализационных процессов, цифровизации мировой и российской экономики рассмотрена проблема роли консалтинга в повышении конкурентоспособности банков. В процессе исследования выявлено, что, несмотря на большие позитивные изменения, которые связывают с возникновением инновационных прорывных технологий, цифровизации, возникла необходимость устойчивого развития банков в условиях повышенного риска, экономической турбулентности, конкуренции с банками-лидерами как на внутреннем, так и на внешнем рынке. Обоснованы выводы о необходимости дальнейшего развития консалтинга для повышения конкурентоспособности в области кредитно-финансовой деятельности, что послужит новым импульсом к изменению привычных каналов оказания банковских услуг.

Introduction. The topical issue of competitive growth among the banks is considered in the paper. At that, globalization processes and digitalization of the global and Russian economies are taken into account when considering the above mentioned problem. Today, the issues of consulting in the field of competitiveness of financial innovations are of particular importance. The aim of the study is to solve the identified problem - the problem for development of competitiveness of Russian commercial banks. It is possible to solve the considered problem with the improvement of the effectiveness of banks activity, and with the development of advisory measures to use the innovations in the financial and credit practice of domestic banks. The research methods were: theoretical and methodological analysis of current state of competitiveness in the banking sector; works of Russian and foreign authors, containing the provisions of theories about functions, role and importance of advisory practices in improving the competitiveness of financial structures; theories of banking, theories of the bank as an intermediary in the market of intellectual financial services, theories of money circulation and credit, competition, etc. Results. In the course of the research, it was revealed that despite the large positive changes associated with the emergence of innovative breakthrough technologies and digitalization, it became necessary to work in conditions of increased risk associated with economic turbulence, competition with leading banks both in the domestic and foreign markets. Therefore, commercial banks will have to develop the new approaches to improve the competitiveness. It is important as enlargement of the range of banking services to entities and persons is one of the fastest growing areas of activity of credit organizations. Secondly, consulting in the field of customer-oriented innovative technologies of credit organizations plays the role of information and analytical support for banking activities in the process of developing the most effective financial solutions. Conclusion. Further development of new directions of competitive growth in the field of credit and financial activities will serve as a new impetus for transformation of the usual channels of remote banking services. Innovation technologies contribute to transformation of the model of relations “bank-client”, enlargement of the range of banking services to entities and persons, profit earning.