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The slowdown of economic development noticed on the national and regional levels has complex nature and multiple determinants. Currently, the Russian national banking regulator conducts active policy to reduce the number of unreliable entities in the banking industry in order to improve governance and transparency of banking activities in the regions. At the regional level, "gray" schemes of banking activities prevail, which ultimately affects the level of development of meso-economic systems, the dynamics and nature of their "drift" toward the use of informal mechanisms of economic development. Based on this, adoption of appropriate managerial decisions in the regional banking policy requires identifying not only the mesolevel specificity of the banking industry development, but also its role in the interaction with other sectors of the local economy. Verification of the hypothesis to be discussed about the fact that the multivariate empirical evaluation of the degree of development of the banking industry in regions and its territorially expansionist and addictive-convergent capacity in the intersectoral collaboration can be a significant information-analytical basis for the development and adjustment of the directions of regulatory and control measures in the banking industry at the regional level by the Central Bank of the Russian Federation, requires development of an appropriate methodology, which determines the significance of the work for the science and practice. Based on this, the goal of this research is to develop effective teaching approaches to the identification of interregional differences in the level of development of the banking industry and to formulate recommendations to eliminate the identified differentiation. As a result of solution of the raised logical and methodical problem, the recommendations of organizational, applied, and analytical nature regarding identification of interregional asymmetry in the degree of development of the banking industry of the local economy were substantiated, and the policy-targeted approaches to reduction of the identified differentiation were formulated.Keywords: economy, region, the banking industry of the regional economy, cross-sectoral cooperation1. IntroductionRetrospective experience of regional economic transformations points to the need for developing a system of financial and infrastructural drivers in the economic space (Postalyuk, 2006). Some of these economic producers are the entities of the banking industry of the regional economy, represented by both regional banks, and branches of national and supranational bank establishments. In this case, at providing regulatory impact at the regional level, it is important not only to comply with the criterion of necessity and sufficiency of quantitative indicators, but also to take into account the degree of convergence of the banking and industry-servicing sectors of the economy of the region.Universal consequences of the economic crisis led to reduced availability of bank credit products provided to the entities of the secondary and tertiary sectors of the economy, and as a result, to slowdown of the production dynamics, escalation of unemployment, and reduction of the gross regional product growth rate. (Cipriani, 2006) In this context, to increase the relevance of the factual array at making regulatory decisions in the sphere of regional banking policy, it is necessary to solve the tasks of assessment of the current status and identification of the trends in the development of the banking industry of the region performed in the context of its interaction with other sectors of the meso-economic system.In addition, in order to identify regional issues and build relevant situational profiles, the transition and implementation period in the implementation of the paradigm of "tough" regulation of the banking industry requires development of methodologies for exposing the interregional differences and building the regions typology based on the complex criterion of the banking industry development status and its interaction with other elements of the economic space of the region, which at the same time will be an effective tool in the regional strategic goal-setting. …

asian social science

Identification and Alignment of Regional Typological Differences by the Level of Development of the Banking Industry and the Intensity of Its Interaction with the Non-financial Sector of the Economy of Territories