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Basic Department of Trade Policy, Plekhanov Russian University of Economics

The article presents the results of a study of the dynamics of lending carried out by regional banks of legal entities and individuals in the regions of the Central Federal District of Russia. Our correlation analysis did not show a significant relationship between the number of regional banks and the level of development of lending in the studied subjects of the Federation. We also compared the number of regional banks and the share of unprofitable organizations, but the results of this analysis showed no relationship between these variables. Thus, there is no statistical evidence that regional banks contribute to the development of the region. We believe that the centralization of the Russian banking sector leads to monopolization and slows down economic growth.