Банковская деятельность 29 cant contribution to the study of banking competition. <...> It shows the existence of competition among development banks. <...> Keywords: banking competition, SME, lending, development banks, Lerner index, EBRD, IFC, SME Bank References 1. <...> Struktura rynka bankovskikh uslug i ee vliyanie na konkurentsiyu (na primere dvukh rossiiskikh regionov) [The structure of the banking services market and its influence on competition: the two Russian regions case]. <...> Kreditovanie malogo i srednego biznesa v Rossii: konkurentsiya obostryaetsya [Lending to SME in Russia: competition is escalating]. <...> Vliyanie rynochnoi vlasti rossiiskikh bankov na ikh sklonnost’ k kreditnomu risku: rezul’taty panel’nogo analiza [The influence of the market power of Russian banks on their credit risk appetite: the panel analysis results]. <...> Kreditovanie malogo i srednego biznesa v Rossii: rost bez draiverov [A SME lending market overview: growth without drivers]. <...> Small Business Credit Availability and Relationship Lending: the Importance Финансы и кредит of Bank Organizational Structure. <...> A new data set on bank competition in national banking markets. <...> Are Foreign Banks More Profitable Than Domestic Banks? <...> Bank Competition, Financial Reform, and Institutions: The Importance of Being Developed. <...> Dick A. Demand Estimation and Consumer Welfare in Banking Industry. <...> Federal Reserve Board Finance and Economics Discussion Series, 2002, no. <...> Bank Size and Small- and Medium-sized Enterprise (SME) Lending: Evidence from China. <...> Anna V. BAKAIKINA National Research University Higher School of Economics, Moscow, Russian Federation bakaykina.anna@gmail.com Banking 23 (647) – 2015 Финансы и кредит Finance and Credit 31 Финансовая система УДК 336 МОДЕЛЬНЫЕ ПРЕДСТАВЛЕНИЯ ОБ ОСНОВАХ ФИНАНСОВОЙ ПОЛИТИКИ СУВЕРЕННОГО <...>