Scientific Bulletin: finance, banking, investment.最新文献

{"title":"DEPOSIT POLICY OF CREDIT ORGANIZATIONS: REGIONAL ASPECT","authors":"Mir Abdul Kaum Djalal, A. P. Bondar, V. Dyatel","doi":"10.37279/2312-5330-2020-4-69-79","DOIUrl":"https://doi.org/10.37279/2312-5330-2020-4-69-79","url":null,"abstract":"The essential approaches to the content of the deposit policy of credit institutions and the analysis of common features and differences in the definitions made it possible to understand the deposit policy as a system of measures for the formation and management of the deposit resources of a credit institution, as well as the definition and formation of the optimal structure of its deposit base to achieve the established goals of a banking institution.\u0000\u0000The features of the formation of the deposit policy by credit institutions registered in the Republic of Crimea are revealed. The main source of resources in the formation of the liabilities of the banking network of the Crimean region are customer funds, among which deposits of the population prevail. Three credit institutions registered in the Republic of Crimea (Bank ChRDB JSC, GENBANK JSC and RNKB Bank (PJSC)) operate on the peninsula without fierce competition from large Russian credit institutions, which also affects their deposit policy. The undoubted leader of the Crimean deposit market is RNKB Bank (PJSC), which makes it possible for individuals to open deposits, mainly in national currency, although for certain types of deposits and in foreign currencies, using conditions and interest accrual schemes convenient for depositors, which are established differentially, depending on the type of deposit currency, term of the deposit agreement, terms of accrual and payment of interest.\u0000\u0000It is concluded that the formation and implementation of the deposit policy needs to solve a number of subjective and objective problems inherent in the Crimean credit institutions: the absence of fierce competition from large banks leads to a certain relaxation of the banking management; the imposed financial sanctions of Western countries restrict the possibilities of the Crimean credit organizations to work in the financial markets; direct and indirect leverage of the state and regional authorities, interested parties in the activities of the bank; general state of economic and social development of the region. The bank’s deposit policy at the present stage should include: the bank’s activity strategy in the field of attracting deposit resources, which should be based on a thorough study of the market, namely the external environment, the deposit market, the place and role of banks in this market, as well as predict the development of the bank’s activities when subject to the preservation of the influence of existing factors; formation of the bank’s tactics for the development and promotion of new banking products for clients.","PeriodicalId":256492,"journal":{"name":"Scientific Bulletin: finance, banking, investment.","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124456661","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":"ANALYSIS OF SOCIO-ECONOMIC DEVELOPMENT OF THE REPUBLIC OF CRIMEA","authors":"E. Mashyanova, E. Smirnova","doi":"10.37279/2312-5330-2020-3-206-215","DOIUrl":"https://doi.org/10.37279/2312-5330-2020-3-206-215","url":null,"abstract":"In conditions of instability and inconsistency of socio-economic processes of territorial development, the main task of scientific research and practical actions is to form the financial security of regions. Each territory must adapt to the complex conditions of political and socio-economic instability and solve complex problems that pose threats to their development. Indicators of socio-economic development of each region are characterized by the quality of life of the population, the level of satisfaction of needs and conditions for the development of human potential. Currently, it is important to analyze and evaluate indicators that characterize social and economic well-being in the Republic of Crimea, as well as their comparison with indicators of other subjects of the Russian Federation. The paper assesses the level of socio-economic development of the Republic of Crimea, taking into account financial security. The main indicators, the rating of the socio-economic situation and the rating on the quality of life of the southern Federal district, as well as the share of subjects in the total turnover of organizations and the volume of investment in fixed assets by regions of the southern Federal district are presented. The indicators of socio-economic development of the Republic of Crimea that ensure the financial security of the region are determined. The article analyzes the macroeconomic trends of the Republic of Crimea. It is determined that in order to improve the socio-economic development and financial security of the Republic of Crimea, it is necessary to develop effective investment programs that will attract additional capital to meet the needs of the region in its social and economic development.","PeriodicalId":256492,"journal":{"name":"Scientific Bulletin: finance, banking, investment.","volume":"EM-33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126526389","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":"FEATURES OF THE CLUSTER APPROACH IN THE RECREATIONAL SPHERE OF THE REGION IN THE CONTEXT OF DIGITAL DEVELOPMENT ON THE EXAMPLE OF THE REPUBLIC OF CRIMEA","authors":"Lyudmila Mihaylovnа Borsh, S. Polskaya","doi":"10.37279/2312-5330-2021-1-198-213","DOIUrl":"https://doi.org/10.37279/2312-5330-2021-1-198-213","url":null,"abstract":"The use of the cluster approach in the recreational sphere is an innovative resource and is a system for the formation and development of a cluster, the creation of entrepreneurial networks that affect the increase in the competitiveness of the economy, indicates the need to search for ways focused on optimizing the spatial structure of relations between the state, regions, municipal districts, subjects, management, research institutions and investors. The application of the cluster approach is based on the targeted approach of the system of methods and methodological techniques, which helps to reduce unnecessary activities to achieve the overall goal of the cluster. When determining the financial and resource provision of the cluster, methods of analysis and comparison were used. A comparative analysis of the response to the cluster alliance system of large, medium and small businesses is given. The investments of financial resources for the creation of the conditions for the sustainable development of the sanatorium-resort and tourist cluster, taking into account the internal and external resources of the state, region and municipalities, are analyzed. A comparative analysis of the influence of the federal target program of socio-economic development on the formation of a sanatorium-resort and tourist cluster in the region is carried out. The advantages of the structural model of corporate development of the cluster are determined. It was revealed that the cluster develops digital, innovative and investment infrastructure with the aim of efficient booking, accommodation and operational service of the receiving party. As a result, were obtained on the characteristic features of the sanatorium-resort and tourist cluster in the region; the application of the cluster and target approach, which contributed to the formation of a matrix of multiplicative impact on the economy.","PeriodicalId":256492,"journal":{"name":"Scientific Bulletin: finance, banking, investment.","volume":"56 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134633934","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":"COMPREHENSIVE APPROACH TO THE DEVELOPMENT OF A BANKING PRODUCT","authors":"S. Garanina, Evgeniya Olegovna Zhuravleva","doi":"10.37279/2312-5330-2021-1-67-78","DOIUrl":"https://doi.org/10.37279/2312-5330-2021-1-67-78","url":null,"abstract":"The article discusses the main theoretical and practical issues (aspects) of the development of a banking product that underlie an integrated approach to the development of this product. First, the definition of a banking product is formulated and its characteristics are highlighted. Second, the process approach to the development of a banking product is disclosed and a list of stages of such development is proposed, indicating the appropriate procedures. Finally, the system of restrictions arising in the development of a banking product is considered, the problems associated with its development are identified, ways of solving these problems are presented, and recommendations for their implementation are formulated.\u0000Following an integrated approach will allow the bank to create high-quality banking products, with the help of which it is possible not only to retain existing customers and attract new ones, but also to increase the efficiency of functioning, improve its image and reputation.\u0000The relevance of studying the theory and practice of developing banking products is due to the regular nature of the development of banking products (as opposed to banking services), as well as an increase in banks’ need to replenish their list with demanded and profitable banking products, which is caused by the growing instability of the economy, tightening regulation and increased competition.\u0000The methods of analysis, synthesis, comparison and generalization allowed us to highlight the theoretical and practical issues (aspects) of banking product development","PeriodicalId":256492,"journal":{"name":"Scientific Bulletin: finance, banking, investment.","volume":"32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128108497","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 SUPPORT OF ECONOMIC GROWTH AT DIFFERENT LEVELS OF ECONOMY IN THE RUSSIAN FEDERATION","authors":"E. Vorobyova, O. Blazhevich","doi":"10.37279/2312-5330-2020-4-5-15","DOIUrl":"https://doi.org/10.37279/2312-5330-2020-4-5-15","url":null,"abstract":"At the present stage of the recovery of the Russian economy after prolonged exposure to negative factors (the coronavirus pandemic, increased sanctions pressure, etc.), it is necessary to develop a system of financial support for economic growth at the micro, meso and macro levels in the Russian Federation.\u0000The study shows the possibilities of financial support for economic growth at various levels in the Russian Federation. The importance of the rational use of financial instruments (in particular, tax) for the development of the real sector of the economy and an increase in the revenue side of budgets of various levels is shown.\u0000The activity of enterprises is considered as a basic element of the formation of financial resources in the state.\u0000The authors analyzed the financial sources of economic growth and showed the ways of their effective use.\u0000The reserves of the formation of the revenue side of budgets at various levels of the socio-economic system of the state are revealed. A set of measures is proposed to promote the recovery of the Russian economy and its subsequent growth.","PeriodicalId":256492,"journal":{"name":"Scientific Bulletin: finance, banking, investment.","volume":"104 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122136704","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":"PROBLEMS OF STRATEGIC PLANNING AND FORECASTING OF INFORMATION BUSINESS ACTIVITIES IN THE REPUBLIC OF CRIMEA","authors":"S. Kirilchuk, Dmitriy Petrov","doi":"10.37279/2312-5330-2021-1-214-226","DOIUrl":"https://doi.org/10.37279/2312-5330-2021-1-214-226","url":null,"abstract":"The topic of the study of the article contains a modern scientific task of the development of information entrepreneurship in the Republic of Crimea.\u0000The article outlines the importance of developing business activities in the information economy. The main areas of strategic planning and forecasting of information business activities in the Republic of Crimea are justified, including in the period of uncertainty of the spread of coronavirus infection and its duration, taking into account the constraints of business development.\u0000The main idea and purpose of the study is to develop a strategy to improve the efficiency of information entrepreneurship in the Republic of Crimea.\u0000The work uses rational methods to improve the organizational communications of information entrepreneurship, including the development of the business function of Internet marketing.\u0000The scientific task to develop a strategy to improve the efficiency of information entrepreneurship in the Republic of Crimea based on the technology of the process of development and decision-making in information entrepreneurship structures has been set and solved.\u0000It is concluded that it is necessary to strengthen state support and improve the state regulation of the information business, as the specifics of software products is the largest vulnerability of them as intellectual property. The solution to this problem is to compile the conditions for patenting and licensing the status of this activity.\u0000It would be useful to enact a special law on the legal regulation and commercialization of intellectual property rights created by the State budget, which would reduce the loss of the national economy from the unauthorized use of intellectual capacity and information products.\u0000The proposed main areas of strategic planning of information entrepreneurship in the Republic of Crimea include: the development and implementation of high-tech solutions and systems, domestic software within the framework of the state policy of reparation; implementation of significant projects aimed at removing tensions related to the integration of the region into the legal field of the Russian Federation; Information security activities modernization and implementation of new infrastructure solutions in the executive bodies of the state authorities, as well as in the economic sector of the Republic of Crimea.\u0000Anti-crisis measures act as a «rapid response» tool. But now, in the face of uncertainty about the spread of coronavirus infection and its duration, government regulation must be aimed at improving the institutional environment of information entrepreneurship.\u0000The developed strategy to improve the efficiency of information entrepreneurship in the Republic of Crimea will allow planning and forecasting of large-scale effects on information business activities","PeriodicalId":256492,"journal":{"name":"Scientific Bulletin: finance, banking, investment.","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133935626","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 OF MEDIA TECHNOLOGIES IN THE FINANCIAL INDUSTRY","authors":"L. Savchenko, D. Burkaltseva, Angela Grigorievna Shilina, O. Guk, Andrey Sergeevich Tyulin","doi":"10.37279/2312-5330-2020-4-55-68","DOIUrl":"https://doi.org/10.37279/2312-5330-2020-4-55-68","url":null,"abstract":"The development of media technologies for interaction between a client and a bank is due to the rapid development of the Internet, a gradual increase in the number of Internet users. The increased competition in the financial industry between banking organizations is a driver of growth in the implementation of technological innovations, namely media technologies, to increase the competitive advantage over other banks. All this determines the relevance of the research topic. The aim of the work is to study the practical experience of implementing media technologies in commercial structures using the example of the banking sector. The article assesses the role of media in modern society. Studied modern models of management in the context of digitalization of society. The development of media technologies was assessed on the example of Sberbank PJSC, Tinkoff PJSC, PSB-Bank PJSC. The advantages and disadvantages of the influence of media technologies on the banking sector are revealed","PeriodicalId":256492,"journal":{"name":"Scientific Bulletin: finance, banking, investment.","volume":"119 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121247750","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":"FEATURES OF THE FINANCIAL MARKET DEVELOPMENT IN THE CONDITIONS OF DIGITALIZATION","authors":"O. Blazhevich, N. S. Safonova","doi":"10.37279/2312-5330-2021-1-106-124","DOIUrl":"https://doi.org/10.37279/2312-5330-2021-1-106-124","url":null,"abstract":"Digitalization today is one of the most global processes that affects all spheres of human life. For the financial market, it is also an integral part of its development. That is why the study of the essence of digitalization of the financial sphere of the economy, the degree of its influence on the segments of the financial market, as well as the features of assessing the level of development of the financial market are the most relevant and important at the present stage of development of economic and financial relations.\u0000The article examines the essence of digitalization of the financial market, identifies the prerequisites for the emergence of digitalization in the financial sector. The features of the impact of digitalization on segments of the financial market, such as credit, stock, insurance and monetary markets, are characterized. A methodology for assessing the level of development of the state financial market is proposed","PeriodicalId":256492,"journal":{"name":"Scientific Bulletin: finance, banking, investment.","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133557502","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":"TAXATION OFSELF-EMPLOYED PERSONS: FEATURES AND PROSPECTS OF IMPLEMENTATION","authors":"V. Voroshilo, Mir Abdul Kaum Djalal","doi":"10.37279/2312-5330-2020-2-21-28","DOIUrl":"https://doi.org/10.37279/2312-5330-2020-2-21-28","url":null,"abstract":"The article discusses the features of taxation of self-employed persons in the Russian Federation in connection with the adoption in 2018 of new legislation that allows individuals who are not registered as individual entrepreneurs to work in the legal field, but who receive income from the sale of goods, services and work. In addition, this type of tax can also be applied by individual entrepreneurs in compliance with all legal norms. It has been studied that the tax on professional income has its own features related to restrictions on application in terms of the volume of annual income received, the existence of labor relations, the types of activities carried out, and the combination with other special tax regimes. The advantages of the application related to a low tax burden, non-payment of mandatory fixed payments for mandatory pension provision and mandatory medical insurance are considered.\u0000Statistical studies of the quantitative characteristics of the application of the professional tax on the territory of Moscow and the Moscow region, as well as qualitative characteristics in the form of the formation of the revenue part of the budget of these subjects were conducted. It is revealed that citizens are actively included in the legal field, but the share of this tax in the total amount of tax revenues in the budgets of the subject is insignificant.","PeriodicalId":256492,"journal":{"name":"Scientific Bulletin: finance, banking, investment.","volume":"78 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115663850","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":"INTEGRATED ASSESSMENT OF THE COMPANY’S PRODUCT RANGE IN THE LOCAL ELECTRICAL ENGINEERING MARKET","authors":"Elena Nikolaevna Bobarykina, V. A. Khokhlov","doi":"10.37279/2312-5330-2020-4-157-167","DOIUrl":"https://doi.org/10.37279/2312-5330-2020-4-157-167","url":null,"abstract":"The purpose of the study is to determine approaches to the implementation of an integrated assessment of the company’s product range in the local electrical engineering market. With all the variety of widely used methods of assortment analysis, their fragmentation is noted. There is an objective need for the development, application and improvement of integrated methods.\u0000The analysis of the range of electrical products of one of the largest trading enterprises of the Republic of Crimea, Novacenter K LLC, which carries out trading activities in five large hypermarkets, was carried out. Electrical products are presented in 11 product groups. Private consumer characteristics were studied for such indicators as completeness, breadth, novelty and stability of the assortment. The analysis showed the insufficiency of the data obtained, which was supplemented by a study using the method of expert assessments.\u0000The calculated generalizing coefficient of consumer efficiency indicates that the range of Novacenter K LLC in the local market of electrical products as a whole has a level of opportunities to meet consumer demand below average, which creates prerequisites for the development of measures to improve it.\u0000The dynamics of trade turnover was analyzed, which allowed us to identify differences in the seasonality of sales for some groups of electrical products. In addition to seasonal fluctuations, other factors affecting sales of this group of products were identified.\u0000For a comprehensive assessment of the range of electrical products of Novacenter K LLC, a cascade ABC-XYZ analysis was performed, which allows taking into account the existing uneven demand and sales, as well as the volume and, accordingly, the profitability of sales. The analysis made it possible to formulate recommendations for the reorganization of the range of electrical products of Novacenter K LLC","PeriodicalId":256492,"journal":{"name":"Scientific Bulletin: finance, banking, investment.","volume":"108 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"1900-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114434986","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}