Published: 15 March 2015
The article is devoted to the methodological analysis of the creation principles of the national payment system of the Russian Federation in the context of the economic sanctions and their consequences for the Russian financial system. The relevance of this problem stems from the fact that in the course of the preparatory work for the creation of an independent payment system there occurred a number of problems associated with the choice of a base for its development and building of the principles of integration of active participants of the payment systems. There is therefore the need for the development of conceptual approaches to the creation of a national payment system in Russia that reflect the current situation and prospects of its development. The main attention is focused on the analysis of the current Russian payment system, its disadvantages and advantages, as well as the application of efficient technologies and on the actual conditions of the financial market while creating a new nationwide payment system. The research methodology of the problems defined in the article is based on the stepbystep analysis of the structural elements as a set of individual principles of the future payment system which is being formed now. The creation principles of a national payment system are discussed in the article, which together allow us to represent the future system as entire and mobile, and able to be modernized depending on the changes of various factors. The conceptual approach to the creation of the national payment system of Russia is offered to be build on the following methodological principles: continuity of accumulated experience; regulatory provision; information security; technological advantage; centralization of management; social orientation and accessibility to a wide range of payment services for consumers.
