The concentration of banking assets and a slowdown in investment processes in the real economy

The article deals with the problems of the optimal structure of the banking sector and the level of concentration of the banking market. At the same time, large state - owned banks are more inclined to choose conservative business models and to allocate funds from more reliable borrowers-representatives of large businesses. Because of this, innovatively oriented business, especially small and medium-sized, is experiencing difficulties in accessing credit financing.