TY  - JOUR
T1  - The Consideration of Seasonality Factor in Practice of Commercial Banks
AU - Goncharenko, T.V. AU - Fliginskih, T.N. AU - Feraru, G.S. AU - Muravetskiy, A.N. AU - Gulko, A.A. 
JO  - International Business Management
VL  - 10
IS  - 26
SP  - 6009
EP  - 6012
PY  - 2016
DA  - 2001/08/19
SN  - 1993-5250
DO  - ibm.2016.6009.6012
UR  - https://makhillpublications.co/view-article.php?doi=ibm.2016.6009.6012
KW  - Considering of deposits seasonality factor
KW  -bank liquidity
KW  -adaptive approach
KW  -the seasonality of the loan portfolio
KW  -the methods of credit risk decreasing
AB  - Formation and development of the banking sector in Russia with adaptation of new and emerging
financial technologies and solutions, largely based on the accounting a number of factors, affecting the results
of banking business. Therefore, in the process of considering the prospects and dynamics of banking
operations, reflecting the objective tendencies of the domestic banking sector transformation, it is necessary
to take into account the seasonality factor. In modern practice, commercial banks faced with fluctuations in the
demand for mortgage loans when over the period from February to April, its level reaches the minimum; similar
fluctuations are also observed for bank deposits. This article contains an initial stage of a study, dedicated to
the rationale of seasonality factor consideration, uniting both credit and deposit operations of
commercial banks.
ER  -