The Influence Of Non Cash Settlement On Russian Banking

Russian bank is gradually increasing in the situation of the increasing non cash settlement between enterprises and banks and between consumers and enterprises.In the face of the rapid developm ent of non cash settlement,non cash settlement has brought more influence on both central bank and Commercial Bank of Russia,affecting the risk level of central bank financial risk prevention and promoting commercial banks to carry out more related business.This paper mainly studies the existing problems of non cash settlement,the impact of non cash settlement on the Russian banking industry and the countermeasures structure.In Russia,the existence of non cash settlement procedures in Russia has a complex effect on the efficiency of the banking customers.A long settlement period leads to some time differences in the import and export of many enterprises,which affects the capital of economic activities.A single bill in non cash settlement restricts t he issue of cash business.In the actual process,the customer has not changed the subjective idea of non cash settlement because of the old concept.The current non cash settlement system in Russia is also a huge problem in the Russian banking industry.The development of non cash payment and settlement tools in Russia is unbalanced,and the long time will lead to a monopoly non cash settlement tool company,which will threaten the stable financial order advocated by the banking industry.The influence of the Russian banking industry is mainly from the commercial banks and the central bank.For commercial banks,it can change the settlement mode of commercial banks,improve the social and economic circulation and trade development level,reduce the operatin g cost of commercial banks,and improve the security of the capital of Russian Ross bank.Finally,some suggestions are put forward to promote the development of non cash settlement,such as amending the existing cash management laws and regulations,and enhancing the liquidity of foreign currencies.In practice,expanding the trade range of the free trade zone can also improve the cash settlement of the Russian banking industry.In the concrete countermeasures,the existing cash management system is revise d,the trade classification of the free trade zone is expanded,the operation efficiency of the non cash settlement mode of the Russian banking industry is improved,and the commercial draft is actively optimized and vigorously promoted.Bank cashier devel opment,increase the number of publicity,improve the ability to deal with customers' non cash.