08.00.00 Economic sciences
-
ACTIVITIES FOR FORMATION OF THE DEVELOPMENT STRATEGY OF A BANK IN THE SPHERE OF INDIVIDUAL CAR LOANS
DescriptionThe article discusses the prospects of development of crediting in the Russian federation; the author analyzes the important reasons for the increased costs of cars, as inflation and refinancing rate in Russia and the United States. This article also studied the dynamics of sales of cars on credit in recent years, the terms of the car loan program called “Buy back”. In addition, the calculation of economic efficiency in the changing conditions of early repayment of a classic car loan, implementation of Buy back program, and the efficiency of implementation of project proposals
-
SPECIFICS OF AGRICULTURAL PRODUCTION MANAGEMENT SYSTEM
DescriptionThe article deals with the organization of the management of development of agro-economic systems at various levels, assesses the existing approaches to the localization of the management object in relation to agroeconomic systems, points out that agriculture is most often designated as managed subsystems as a part of the national economy, agro-voluntary complexes as territorial-sectoral formations of different levels, cluster type structures, integrated agro-industrial structures and allied other types of agricultural producers, farms of different categories, agricultural production and agrarian potential of rural areas conclude that radical economic reforms have led to the destruction of the agro-industrial complex as a single entity of public administration and transformation of a multilevel system of management of agricultural production and caused the loss of controllability of the agrarian sector, it is pointed out that the restoration of manageability by agricultural production can be it is ensured by consolidating the efforts of all economic agents of agrarian relations: the state (federal, regional and municipal authorities), branch unions and associations, corporate integrated units, consumer cooperatives and economic entities of all categories (agricultural organizations, peasant (farm) households, farms population), describes a set of principles governing the process of forming the management system of agricultural production, the results are given systematization of management tasks, the essence of the management mechanism is revealed, it is proved that, due to the generality of management functions and a certain uniformity of managerial activity, the similarity of information flows ensuring the rational interrelation of subjects and management objects in the process of realizing these functions is observed, and a certain level of typicality of information flows creates objective prerequisites for the formation of a typical system of information support for the management of economic entities of specific types
-
THE PERFORMANCE AND NEW FEATURES OF THE STATE PROGRAM FOR STIMULATION OF AIC DEVELOPMENT
DescriptionPractice shows that the state support in our AIC comes to the wrong addressees. Helping big agricultural businesses at the expense of other participants, which often are inherently more efficient and competitive, still makes the position of the existing system of state support very problematic. More correctly in this situation would be to increase help for small- and medium-sized businesses, which are often created from scratch without any support, and, therefore, are more motivated to efficiency and growth. For example, small farms are producing up to 40% of the total agricultural production, but receive only about 10% of the state support allocated to agriculture. This imbalance distorts the competitive environment and hides great injustice of the entire agricultural policy. This is the main reason for incomplete implementation of the reserves in the segment of small businesses. This has a great negative impact on the key units of crediting and selling of small agribusiness forms (SAF). The authors propose restructuring the general support of regional agriculture by blocks of crop production and small agricultural economy in benefit of the SAF due to the possibilities of state support of crop production in the ratio of 2:1, that is to leave the crop to 66.7%, and for the SAF to 33.3%. Under this scheme, small forms over the next 5 years will receive 14.2 billion rubles instead of the planned 6.4 billion. This decision will contribute to the emerging of a healthy competitive environment in the domestic agricultural market and increase the faith of the owners of small businesses in possibilities of their growth and weakening of the principles of cooperation
-
TO THE 100TH ANNIVERSARY OF THE GREAT OCTOBER REVOLUTION: THIS ETERNAL LAND QUESTION ...
DescriptionThe relevance of the causes, results and consequences study of the October Revolution in Russia is shown. The problems of modern land relations are formulated. It is concluded that one of the main reasons for the October Revolution was the unresolved land issue, which remains unresolved during the modern economic reform. The centennial anniversary of the Great Russian Revolution is an occasion to comprehend the whole complexity of land relations, to see the solution of modern land problems in the historical retrospect. The goals and objectives are formulated, the prerequisites, main provisions and results of the Russian reforms of 1861, including the Stolypin reform, are considered, the historical stages in the formation of the land property institute in Russia are shown. The organizational and economic mechanism for implementing the basic land reforms is analyzed. The mechanism included the elaboration of the main redemption operation plan provisions, the resettlement policy in newly developed areas, the activities of the Peasant Land Bank, land management. The main socio-economic results of the reforms are given. It is concluded that the Russian reforms were carried out by decision "from above," they were not completely consistent, the issue of the land ownership was not finally resolved. The reasons for the Russian peasantry active participation in the Great October Revolution are formulated: the centuries-old peasants lack of rights and oppression, their personal and economic dependence on the landlord, serfdom, lack of property, heavy redemption of the 1861 reform obligations and delay of the Stolypin reform; and on the other hand - promised will and land by the Bolsheviks. The views on the revolution results belonging to well-known economists, historians, writers are given. To create a great Russia, the expediency of country's socio-economic development in the only evolutionary way is justified, based on a clearly developed strategy
-
Description
The main indicators of the state of the dairy industry of the Krasnodar region are given. The results of the marketing research of consumers of the dairy products market of the Krasnodar region are considered. The article reveals reasons for dairy products appeal, reasons for rejection of dairy products, distribution channel structure, consumer preferences for types of dairy products, the frequency of purchase, the level of consumer satisfaction by dairy products range, consumer preferences for manufacturers of dairy products, consumer opinion about the price and quality of dairy products, characteristics of consumers portrait by sex, age, education, occupation, place of residence. The necessity of diversification of activities of agricultural producers, which is a process of allocating funds to be invested between different objects of investment that are not directly linked is substantiated. The possibility of processing of milk by agricultural producers of the Krasnodar region to meet the basic needs of the population and guests of the Krasnodar region and the further formation and development of the market of dairy products in the region is pointed out. The investment project for construction of a dairy plant is presented and the prospect of its implementation and compliance with consumer preferences is considered. Negative trends in the dairy market are noted. The prospects of development of the dairy products market of the Krasnodar region are indicated
-
INSURANCE PREMIUMS: HISTORICAL ASPECTS AND INNOVATIONS
DescriptionIn our country there is a system of compulsory employees’ insurance functions. First attempts to establish the responsibility of employers were taken over a hundred years ago, since then there have been significant changes. The current system of contributions to pension, social and health insurance funds has existed for about thirty years, but it constantly changes. Since 1990, the insurance functions have been shifted from the state budget to established extra-budgetary funds formed at the expense of deductions of employers. Since this system has not brought the expected results, it is repeatedly reformed. To legalize the payment of salaries and additional contributions the Unified social tax was developed in 2001, which lasted until 2010. Its purpose was to accumulate cash to realize citizens' rights for state pension, social insurance, and medical care. Its establishment did not lead to the increase of pensions and social benefits either. Nowadays, after the abolition of the Unified social tax every employer and sole proprietor in Russia has to pay insurance contributions to the Pension Fund, the Social Insurance Fund and the Health Insurance Fund. Throughout the studied period the contribution rates changed, introduced and abolished preferential tariffs. New turn of events in this sphere, specifically the introduction of Chapter 34 of the tax code, was the cause of attempt to systematize all the changes concerning payments to extra-budgetary funds for the past 26 years
-
COMMUNICATION ASPECTS OF DIRECT MARKETING
DescriptionThe article is devoted to one of the most effective modern means of promotion - direct marketing, which is provided with the help of high integration of marketing functions, high targeting, speed and interactivity are achieved in cooperation with target audience, and rationalization of communication costs is ensured. Direct marketing is described from three positions: as a distribution channel, which ensures the sale of the firm's product directly to the end consumer without the participation of trade intermediaries; as a means of promoting products, based on the use of databases and the combined usage of several forms of communication with the target audience; as a special kind of marketing activity (in a virtual environment). The authors refer direct marketing to synthetic marketing communication, formed on the basis of combining two key types of promotion - personal selling and advertising. The article deals with the key principles of using direct marketing and the main forms of its implementation. The article draws your attention to categories of suppliers that form direct marketing services. The types of organization of the communication process are distinguished through direct marketing, the stages of planning and implementation of the direct marketing campaign are described in details
-
SPECIALIZED STOCK EXCHANGE OF SECURITIES OF HI-TECH ISSUERS
DescriptionThe transformation of the Russian economy directed to transition to the sixth technological way shall rely on the perspective ideas, one of which is the idea reproductive neo - industrialization. It is revealed that reproductive neo - industrialization initiates three interdependent processes in the internal environment of economic systems processes: 1) restoration of own potential of development of these systems; 2) decapitalization of the institutional status that allows to realize dismantling of the mechanism of movement of these systems; 3) restoration of internal homogeneity of these systems, that is, their homogenization, support of harmony of communications of elements. The article offers an algorithm of financial and investment support reproductive neo - industrialization by means of which it is possible to solve a complex problem of attraction of investments into the economic systems of depressive type. It is defined, that the happening technological conversions directed to transition of the Russian economy to the sixth technological way bring new opportunities of movement of the dummy capital to life. According to the author, within economies of depressive type the cross-border fund of support of the innovations oriented on institutional changes and also specialized stock exchange of securities of hi-tech issuers on which site investment of financial innovations shall be carried out is popular
-
ECONOMIC GROWTH IN THE KRASNODAR REGION
DescriptionThe article considers the economic growth and its components, the main indicators, targets and the effect that it has on the economy. In addition, we briefly describe the main trends of the economic growth of the Krasnodar region and the forecast of their change over the next 2 years
-
HEDGING AS A METHOD OF CURRENCY RISKS CONTROL
DescriptionThe article is devoted to hedging as one of the optimum methods of all methods of currency risk management. Theoretical and methodological aspects of the method of hedging were examined and we also defined the role of financial derivatives in the foreign exchange market. The classification of key derivatives risk management is examined. Concepts of contango and backwardation are considered, and the scheme of the correlation of spot and futures prices is provided. An analysis is conducted for the basic hedging strategies market derivatives currency. Dynamics of the dollar against the ruble over the past few years is detailed. The article notes that in connection with the crisis phenomena in world economy the problem of high volatility in markets has gained prominence. Various aspects of the impact of changes in foreign exchange rates on the operations of Russian companies are analyzed. The importance of considering the hedging transactions and the need to comply with the requirements of International financial reporting standards (IFRS) in order to prosperous insurance risks is emphasized. The article reveals hedging of currency risks in Russia with the help of financial market instruments. The practical examples of these methods using financial derivatives are given. Problems are investigated and the future prospects of development of the derivatives market in Russia are proposed