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The regional financial market is a system of economic relations that develop between suppliers and buyers of financial resources and financial instruments in the process of their market circulation. A feature of regional financial markets is their localization in a certain territory.

The main tasks of the regional financial market are accumulation of temporarily free capital, efficient redistribution of capital, acceleration of the turnover of capital, formation of market prices for financial resources, creation of conditions for reducing different types of risks.

The characteristics of the regional market:

1. It does not have a specific qualitative character, it is characterized by general features of the financial market.
2. Spatial limitation of the territory of the region.
3. It is part of the global and national financial markets and is in close relationship with them.
4. It is closely integrated into the financial system of the region.

The functions of regional financial markets:

1. the function of redistribution of capital (investment) (accumulation and redistribution of free cash capital in the region).
2. risk management function (creating the possibility of reducing financial uncertainty)

The regional financial market has a significant impact on the development of the regional economic complex.

In accordance with the legislation of the Russian Federation in the regional financial markets, control, supervision and regulatory functions in the field of activity of financial institutions are carried out by the territorial bodies of the following federal structures: Central Bank of the Russian Federation, Ministry of Finance of the Russian Federation, Federal Antimonopoly Service, Rospotrebnadzor.

The main problems of the development of regional financial markets include:

1. territorial asymmetry of financial development,
2. insufficient implementation of the investment function,
3. low share of financial participation of the population.

The development of regional financial markets should be carried out on the basis of strategic programs that take into account the need to solve existing problems.

The main policy directions in the development of regional financial markets should be:

1. increasing the overall level of financial development of the national economy
2. increasing the availability of financial services -improving the quality of banking
3. legislative consolidation and development of electronic and mobile payment technologies