Финансы и управление最新文献

{"title":"Theoretical grounds of the development of innovation infrastructure","authors":"Sergei Andreevich Baev","doi":"10.25136/2409-7802.2021.4.36730","DOIUrl":"https://doi.org/10.25136/2409-7802.2021.4.36730","url":null,"abstract":"\u0000 The object of this research is the innovation infrastructure. The subject is the key theoretical approaches towards comprehension of innovation infrastructure, subsystems of innovation infrastructure, role of the state in formation and development of innovation infrastructure, as well as problems of institutionalization of innovation environment in the Russian Federation at the current stage. The scientific novelty of this article is reflected in the following aspects: formulation of the original definition of innovation infrastructure on the basis of systematization of theoretical approaches towards interpretation of innovation infrastructure in Russian science; development of the original approach towards classification of subsystems of innovation infrastructure; proposal of the methods for eliminating the flaws inherent to institutionalization of innovations in Russia at the present stage. The main conclusions lie in the following statements: 1) the term “innovation infrastructure” should be defined as “a set of interrelated organizations and institutions aimed at ensuring the implementation of innovation projects”; 2) innovation infrastructure consists of the five subsystems, two of which (production-technological and financial) are central, and three are (information-consulting, human resource, and sales) are supporting; 3) strong coordination of all subsystems of innovation infrastructure in modern Russia requires adhering to cluster arrangement of innovation infrastructure. The concentration of all enterprises in a single space would allow maximizing their efficiency, as well as reducing the costs. Clusters can be formed in accordance with one of the models that are actively used in the developed countries, such as science and technology parks and technopolises.\u0000","PeriodicalId":233653,"journal":{"name":"Финансы и управление","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127585620","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Capabilities of business intelligence for improving the efficiency of economic analysis in stressful economic conditions caused by pandemic","authors":"S. Mitrovic, V.P. Suits","doi":"10.25136/2409-7802.2021.4.36811","DOIUrl":"https://doi.org/10.25136/2409-7802.2021.4.36811","url":null,"abstract":"\u0000 From the perspective of economic analysis, the phenomenon of business intelligence (BI), which is the main subject of this research, is described as a version of artificial intelligence oriented towards comprehensive analysis of high data volume and its transformation into applied knowledge on the economic activity of organizations. Emphasis is placed on the feasibility and peculiarity of implementation of business intelligence systems in stressful economic conditions caused by pandemic on the global and national scale. The empirical part of research lies in the development and testing of the intelligent solution in the area of information and analytical support for economic analysis. The acquired conclusions prove that the current situation on the global economic market promotes further development of methodology for implementing information technologies, and business intelligence in particular, in the economic analysis of business activity. In order to meet the specific needs of end-users of business intelligence systems, was developed the tool for calculating the economic efficiency of medical insurance for health improvement of the personnel. It is substantiate that innovative BI- technologies help to integrate and successfully apply the solutions of business analysis at any level of corporate management. The authors outline the leading parameters of the ideal version of business intelligence, as well as justify that the use of business intelligence systems in the area of information support for economic analysis gives a multiplicative effect: - contributes to the improvement of economic analysis, efficiency of implementation and accuracy of data; - ensures the effectiveness of economic analysis for achieving  best result with relatively low cost and maximum utilization time; - provides acceptable relevance of the data that underlie the management decisions, leaving out subjectivism. \u0000","PeriodicalId":233653,"journal":{"name":"Финансы и управление","volume":"173 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133445253","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"The peculiarities of development of consumer lending in the conditions of pandemic on the example of ZENITH Bank","authors":"Yuliya Ashumovna Vlasova, Z. Gerzelieva, T. Rogova","doi":"10.25136/2409-7802.2021.4.35693","DOIUrl":"https://doi.org/10.25136/2409-7802.2021.4.35693","url":null,"abstract":"\u0000 The consumer segment of the credit services market is undergoing complex transformations due to systemic changes in the economic space caused by the pandemic. The subject of this research development trends in the market of consumer lending in the conditions of pandemic. The object is the credit services market in the context of digitalization. The article explores the peculiarities of development of the segment of consumer lending in depository institutions. Research methodology employs the method of statistical analysis and forecasting the development of trends in the area under study. The source information includes the official statistics on the dynamics of financial sector of the Central Bank of the Russian Federation, available analytical sources and reports of ZENITH Bank. The main results lies in outlining the current trends in the development of consumer lending in the conditions of digitalization due to the pandemic. The author examines the ratio of the credit portfolio of the leading banks to the level of overdue debt, the structure of retail lending in the scope of credit portfolio, types and specificity of consumer lending products. Recommendations are formulated for stabilization of operating results of the commercial banks. Practical significance of the acquired results lies in revealing the impact of the ongoing changes upon the activity of depository institutions, attending risks, and vectors of the development of banking sector under the current conditions. The novelty consists in studying the experience of operation of medium-sized bank in crisis period, as well as in outlining the directions for improving its reliability and profitability.\u0000","PeriodicalId":233653,"journal":{"name":"Финансы и управление","volume":"94 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125534933","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Corporate networking management based on the cost approach","authors":"V. Zarutskaya, S. Orekhova","doi":"10.25136/2409-7802.2021.4.36627","DOIUrl":"https://doi.org/10.25136/2409-7802.2021.4.36627","url":null,"abstract":"\u0000 The COVID-19 pandemic caused a significant drop in the tourism sector. Precarious existence of the tourism agencies can be based on the development of the corporate business network managed by the formation of the key network resource – social capital. This research is aimed at the development and testing of the original toolset for the assessment of social capital and creation of the universal model of corporate networking management based on it. The subject of this article is the social capital of a company. The object is the operating tourism agency of Sverdlovsk Region “Mellow Season” LLC. The information framework is comprised of the corporate financial data for the period from 2014 to 2020. The expediency of implementation of cost approach on the level of individual companies is determined. The algorithm of corporate networking management based on the analysis of sustainable business ties portfolio is offered and tested. The author establishes that the company practices one-time and repeated transactions mainly with non-specific assets; specific assets are used only in transactions with the customers. Typical precontractual costs are the costs for searching information, negotiating, and concluding the contract. Typical postcontractual costs are the costs for monitoring and enforcing the counteragents to discharge their obligations. The author analyzes the information on the components of the social capital. Sustainable business tie was identified with 12 suppliers, 28 tourism agencies, and 158 customers. The analysis of behavioral practices of tourism agencies and expert assessments establishes the efficiency standards of transaction costs. It is also determined that the cost savings from the use of social capital for the company under reviews amount to 46.8% of their volume without its use. The recommendation is made to maintain the existing network of sustainable business ties; use the accumulated trust in sustainable business ties with the customers to expand the client base; shift priorities from the transactions made due to the established mechanism of business procedures towards seeking for new opportunities on the market. The author develops the universal model of corporate networking management. \u0000","PeriodicalId":233653,"journal":{"name":"Финансы и управление","volume":"55 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121024885","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Reduction of construction time as a result of increase of labor efficiency","authors":"Konstantin Evgenevich Salnikov","doi":"10.25136/2409-7802.2021.4.34480","DOIUrl":"https://doi.org/10.25136/2409-7802.2021.4.34480","url":null,"abstract":"\u0000 The subject of this research is the regulatory relations arising in the context of reduction of construction time as a branch of material production, which carries out the erection and reconstruction of buildings and structures of various designation. The object of this research is the construction sector overall; enterprises of different forms of property that functions in the investment and construction sector; organizational-legal forms of interaction between the actors of investment and construction process; state regulation in the sphere of capital construction. The goal of this work lies in solution of the key problems of regulating the construction terms: estimation of time and allocation of resources. The author examines the contractual models for the implementation of investment projects; factors that improve efficiency; technical and technological factors; organizational and economic factors; classification of construction works; role of general labor in modern industrial sectors; reduction of construction time; optimization of organizational issues; modern contact models; traditional model of organizing organization (M-1); EPC-contract model (M-2) ; construction based on EPC(M)- contract (M-3); factors that contribute to reduction of construction time due to the use of contractual models. Special attention is given to the causes and reserves for reduction of construction time in the instance of using various contractual models. The scientific novelty is determined by lack of knowledge on the questions of improvement, theoretical, experimental and technical-economic substantiation of technological processes, methods and forms of organizing construction and its production capacities with regards to reduction of construction time. The importance of this work for the national economy consists in studying the theory and practice of reducing construction time and finding solutions to scientific and technical problems of construction via development and creation of competitive construction technologies and organizational-technological solutions, which would intensity the processes of erection, reconstruction and modernization of buildings while reducing labor, material-technical, fuel and energy resources.\u0000","PeriodicalId":233653,"journal":{"name":"Финансы и управление","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126351766","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Financial literacy in the digital era: new opportunities and challenges","authors":"Evgeniya Mikhailovna Popova, T. Nikitina","doi":"10.25136/2409-7802.2021.4.36915","DOIUrl":"https://doi.org/10.25136/2409-7802.2021.4.36915","url":null,"abstract":"\u0000 Increase of access to financial services (financial inclusion) and overcoming the new digital gap are the priority task of the national governments, which entails the development of state programs and implementation of various initiatives The subject of this research is the financial literacy and instruments for its improvement in the conditions of new digital reality. The question is raised on the need for reconsideration of the financial literacy in the digital context, and implementation of the more extensive multidimensional approach towards its definition. The authors present the results of scientific research conducted in different countries, which prove that financial and digital literacy are the key determinants of financial inclusion. The analysis of foreign practice of introducing the programs aimed at the improvement of financial literacy of the population leads to a number of practically valuable conclusions, namely high potential and effectiveness of the projects that use interactive technologies. The scientific novelty lies in formulation of recommendations that would contribute to more effective implementation of the programs intended for improving financial literacy of the population: targeted programs for improving financial literacy adapted to the needs and level of knowledge of a specific target audience; interactive content that develops both, financial and digital literacy in the context of using financial products. Special attention is given to the formation of competencies for secure use of digital financial products, information awareness of the participants of the programs on the fraudulent schemes. The increase of financial literacy is considered as an indirect financial protection of the consumers.\u0000","PeriodicalId":233653,"journal":{"name":"Финансы и управление","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127512120","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Cluster as the mechanism for neo-industrialization of the economy","authors":"N. Lapenkova, D. Firsov","doi":"10.25136/2409-7802.2021.3.35430","DOIUrl":"https://doi.org/10.25136/2409-7802.2021.3.35430","url":null,"abstract":"\u0000 The subject of this research is various approaches towards the definition of clusters applicable to economic relations, as well as their key characteristics. Special attention is given to the analysis of the existing forms and types of clusters. The authors describe the role and place of clusters in neo-industrialization process, since cluster is not just a form of business organization, but also a form of social interaction and reproduction. Due to the ability of a cluster to accumulate and use knowledge independently, it should be viewed as the mechanism for neo-industrialization of the economy, as well as an integral element for ensuring regional competitiveness. The article notes a substantial difference between the cluster form of organization and the holding form of organization based on the Russian and foreign research, as well as the differences between economic clusters and territorial production complexes, which are characteristic to sectoral approach. The conclusion is made that the prerequisite for the emergence of cluster is not the solution of the administrative guidance system, but a natural need of the business, favorable conditions for integration, and availability of the necessary infrastructure. The novelty consists in viewing cluster as the mechanism for neo-industrialization of the economy. It is underlined that clusters create a synergistic effect for the global region they are located in, as well as for the economies of the countries, separate regions or territories of these countries. The authors indicate the need for elaboration of the new approach towards the development of cluster policy. The new cluster policy is intended to regulate the industrial innovation process in the Russian Federation.\u0000","PeriodicalId":233653,"journal":{"name":"Финансы и управление","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133354850","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Development trends in cultural sphere of the Republic of Tatarstan in the conditions of lockdown","authors":"Leysan Habirovna Ishtiryakova","doi":"10.25136/2409-7802.2021.3.34911","DOIUrl":"https://doi.org/10.25136/2409-7802.2021.3.34911","url":null,"abstract":"\u0000 Introduction of restrictive policy due to the COVID-19 pandemic affected the development of cultural sphere in 2020. This article traces the development of cultural sphere within the framework of measures aimed at prevention of the spread of COVID-19 in the Republic of Tatarstan. The goal of this research lies in the analysis of the key aspects of cultural development in the Republic of Tatarstan in 2020, as well as in determination of the major issues caused by lockdown, grounds for the development of recommendations regarding the conditions for providing uniform access to cultural products of the republic based on the Russian and international experience. The scientific novelty consists in proposal of measures for uniform rendering of cultural services with consideration of the experience of restrictive policy during the spread of coronavirus disease. In 2020, cultural sphere in the Republic of Tatarstan is characterized by rapid increase in the demand for online display of cultural products on the background of a significant drop in attendance of cultural establishments. Theoretical framework of this article is based on the overview of scientific research conducted by foreign and Russian scholars in cultural sphere. The research employs the method of descriptive analysis of statistical data in cultural sphere alongside the main normative acts that determine the vector of development of this sphere, and anti-epidemic measures adopted in 2020.\u0000","PeriodicalId":233653,"journal":{"name":"Финансы и управление","volume":"226 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115559715","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Accounts receivable from the chemical enterprises: factor analysis","authors":"Polina Otrubiannikova, D'yankai Van, A. V. Ilina, N. Viktorova","doi":"10.25136/2409-7802.2021.3.34967","DOIUrl":"https://doi.org/10.25136/2409-7802.2021.3.34967","url":null,"abstract":"\u0000 This research analyzes the impact of certain factors upon the accounts receivable from chemical enterprises. The subject of this article is the accounts receivable, while the object is the Russian chemical enterprises. The goal lies in building a regression model of the dependence of accounts receivable from chemical enterprises on the explanatory factors selected in the course of analysis. The internal factors include sales revenue, net profit, accounts payable, management expenses, return on total assets, etc. The external factors include gross domestic product, monetary supply, and Networked Readiness Index. The author creates an econometric model based on the financial report data for 44 enterprises, and statistical information for the period from 2015 to 2019. The result of modeling reveals a considerable impact of such indicators as monetary resources, accounts payable, and management expenses upon the size of accounts receivable. The conclusion is made on the expansion of digital components of management expenses in the context of the goal of research. The novelty of this article is substantiated from the perspective of application of the acquired results for forecasting the level of accounts receivable and more effective management of the payables policy of the enterprise. It is noted that the internal financial and economic indicators have most impact upon the size of accounts receivable from chemical enterprises. \u0000","PeriodicalId":233653,"journal":{"name":"Финансы и управление","volume":"22 2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132554592","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Budget funds for financing investments in innovative development of the region (on the example of the Central Black Earth Region)","authors":"K. Pozdnyakov","doi":"10.25136/2409-7802.2021.3.36260","DOIUrl":"https://doi.org/10.25136/2409-7802.2021.3.36260","url":null,"abstract":"\u0000 The strategic factor for economic growth of the Russian regions is the activation of innovative processes. The problem of increasing innovative activity has been particularly acute in recent years due to the unfolding crisis and extended restrictions on the budget expenditures. The goal of this article consists in the analysis of indicators of innovative activity, and assessment of the impact of budget investments in fixed capital upon the indicators of innovative process in the Central Black Earth Region. The analysis employs the available statistical data on financing of investment processes and results of innovative activity in the Russian Federation, Central Federal District, and Central Black Earth Region. The research relies on the system approach, economic-statistical, logical and expert methods of analysis. The conducted analysis reveals the insufficient level of innovative development in all six zones of the Central Black Earth Region. The innovative processes in the Central Black Earth Region are characterized by low output of innovative products and investment in research and development. The dynamics of innovative processes in the region is of differential nature. There are substantial interregional differences in the indicator values of the expenditures for research and development, and innovation activity, as well as the volatility of indicators of production of innovative goods and services. The clear outsider in the Central Black Earth Region in the Oryol Oblast. The author formulates recommendations that can be used by the authorities of the constituent entities of the Russian Federation in elaboration of state support measures for innovative activity in the Central Black Earth Region aimed at acceleration of their economic development.\u0000","PeriodicalId":233653,"journal":{"name":"Финансы и управление","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125807954","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}