Voggov A. The nature and the mechanism of transformation of bank resources

The dissertation is devoted to research of the nature and the mechanism of processes of transformation bank's resources on micro and macrolevels. There was developed the probability model, which reflects the nature and the mechanism of formation a conditional - constant component of the current passives as a display of "bank effect ", and establishes quantitative interrelations in an initial kind. There was determined the mechanism of stabilization of a variable part of the current passives by a method of short-term loans. The mechanism of transformation of the set of short-term deposits in long-term resources was considered by a method of consecutive replacements. It was proved, that the presence of small, average and big clients is necessary for the formation of balanced resources with a steady stable component. It was offered to take into account the influence of variability of the capi-tal of the bank on transformation of temporary means. The necessity of the account of resource's risks for the bank's activity was proved, and also their classification was offered. There were developed the theoretical approaches to modelling the processes of transformation bank's resources at a macrolevel. It is established that the long-term bank resources, directed on financing of real sector of economy, are superseding by the short-term means. Banks carry out a mission of reproduction of long-term re-sources by means of transformation. It is proved, that a purposeful and complex man-agement of the process of transformation can be one of the main conditions of achievement of the balanced economic growth.