{"title":"Methods and tools for improving the efficiency of the financial mechanism for solving housing problems in the subjects of the Siberian Federal District","authors":"A. P. Chernyavsky, T. V. Pirogova","doi":"10.34020/1993-4386-2023-3-42-56","DOIUrl":"https://doi.org/10.34020/1993-4386-2023-3-42-56","url":null,"abstract":"The article deals with the issues of housing affordability for citizens of the Siberian Federal District, the implementation of existing mortgage and non-mortgage programs on its territory, the rating of the subjects of the Russian Federation on housing affordability is assessed; the results of calculations of housing affordability index according to the methodology of the Ministry of Construction and Housing and Communal Services of the Russian Federation (Ministry of Construction of Russia) are analyzed, the problems of insufficient measures by states to increase housing affordability.","PeriodicalId":435973,"journal":{"name":"Siberian Financial School","volume":"82 5","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139206325","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":"Criticism of the digital ruble project","authors":"Yurii A. Kozenko","doi":"10.34020/1993-4386-2023-3-75-79","DOIUrl":"https://doi.org/10.34020/1993-4386-2023-3-75-79","url":null,"abstract":"During the search for a worthy candidate for the BRICS currency, such digital means of payment that are understandable and acceptable to all participants in financial relations begin to play a special role. For this reason, innovations in the field of the digital ruble should be objectively subjected to scrupulous analysis and constructive criticism, which can eliminate a significant part of doubts about the correctness of the practical implementation of this project. The historically determined period of the beginning of the transition to a new material carrier of value, which takes the form of a digital signal, should make maximum use of high-quality scientific support and in no way discredit the relevant scientific approaches.","PeriodicalId":435973,"journal":{"name":"Siberian Financial School","volume":"24 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139199790","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 ecosystem of financial inclusion and its regulation","authors":"I. E. Lazareva","doi":"10.34020/1993-4386-2023-3-97-103","DOIUrl":"https://doi.org/10.34020/1993-4386-2023-3-97-103","url":null,"abstract":"The article examines the essence of the concept of financial inclusion from the perspective of the formation of an ecosystem of interdependent determinants of its provision, substantiates the role of regulation as an important prerequisite for ensuring financial inclusion. Proved that for the effective formation and development of the financial inclusion ecosystem, it is necessary to create and support an adaptive regulatory environment capable of ensuring full-fledged legislative protection of creditors' and depositors' rights, protection of property rights of financial services market participants, and information security. Identified a set of regulatory measures necessary to ensure a high level of financial inclusion in the country.","PeriodicalId":435973,"journal":{"name":"Siberian Financial School","volume":"20 9","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139205503","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":"To the question of the need to improve the financial planning mechanism when making investment decisions","authors":"N. V. Fadeikina, N. V. Bryukhanova","doi":"10.34020/1993-4386-2023-3-35-41","DOIUrl":"https://doi.org/10.34020/1993-4386-2023-3-35-41","url":null,"abstract":"The article focuses on the key problems of improving the financial planning mechanism when making investment decisions by organizations Based on the proposed methodology of financial planning as a systematized set of basic principles and methods of financial planning, applied indicators, impact measures necessary for the implementation of the financial plan, its monitoring, etc., the structure of this mechanism aimed at making investment decisions is substantiated, as well as the functions and tasks of the financial planning process of investment activity are defined. The authors substantiate that financial planning of investment activity is one of the most complex areas of financial planning, which is largely due to the complexity of making investment decisions, during which the state of the macroeconomic environment, objective limitations of investment activity, alternative investment opportunities, the state of the internal environment of the organization, its subjective investment preferences and other external and internal factors should be taken into account. To solve these problems, it is proposed to use such tools of the financial planning mechanism as budgeting of investment activities.","PeriodicalId":435973,"journal":{"name":"Siberian Financial School","volume":"64 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139203036","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 approaches to measuring the efficiency of public finance in part of government expenditures","authors":"L. I. Tkachenko","doi":"10.34020/1993-4386-2023-3-21-28","DOIUrl":"https://doi.org/10.34020/1993-4386-2023-3-21-28","url":null,"abstract":"The article presents reasoned evidence of the growth of public spending in the world over the past twenty years. Using the example of the government performance index, economic growth (GDP growth rate) and GDP per capita, the absence of a rigid relationship between the amount of government spending and management efficiency is shown. The category of efficiency in public finance is analyzed. The complexity and dubitability of this category is noted. Various approaches to efficiency analysis in economics are outlined. Cost-based, targeted and effective approaches to measuring and analyzing efficiency in public finance in terms of government spending are analyzed. The author's view on approaches to increasing the efficiency of government spending is presented.","PeriodicalId":435973,"journal":{"name":"Siberian Financial School","volume":"656 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139203197","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 as a factor of ensuring fiscal sustainability, efficiency of public finance management and financial market development","authors":"N. V. Fadeikina, G. A. Fadeikin, О. V. Morozova","doi":"10.34020/1993-4386-2023-3-154-168","DOIUrl":"https://doi.org/10.34020/1993-4386-2023-3-154-168","url":null,"abstract":"The article examines the current state of the level of financial literacy of the population in Russia, as well as the main trends in the development of financial literacy in the context of ensuring fiscal sustainability, the effectiveness of public finance management, and the development of the financial market. The mechanism of increasing financial literacy of the population is analyzed. It is shown that financial literacy of the population is directly related to financial education, financial culture, financial behavior and financial activity of the population. Reasonable conclusions are made that measures to introduce the Concept of improving financial and budgetary literacy of the population through the implementation of proactive budgeting practices approved by the Ministry of Finance of the Russian Federation at the end of 2022 will contribute to improving the level of financial (including budgetary) literacy and financial culture that affect the provision of fiscal sustainability, the effectiveness of public finance management, and the development of the financial market. and the new Strategy for Improving Financial Literacy and Financial Culture in the Russian Federation until 2030, the draft of which is currently being considered by the main participants of the Strategy for Improving Financial Literacy in the Russian Federation for the period 2017–2023.","PeriodicalId":435973,"journal":{"name":"Siberian Financial School","volume":"548 ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139204651","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":"On the role and university status of economic theory: transformation in modern russia","authors":"L. Y. Rudy, T. Tropnikova","doi":"10.34020/1993-4386-2023-3-191-198","DOIUrl":"https://doi.org/10.34020/1993-4386-2023-3-191-198","url":null,"abstract":"The stages of transformation of the system of theoretical economic knowledge in general and economic theory, in particular, for the period since the 90s of the last century are shown. The stages of transformation are linked to the adoption of state educational standards (SES), federal state standards (FSES) of higher professional (higher) education, which led to the destruction of this system, the loss of economic theory of its main functions, the transformation of its content in the direction of traditional economics. The objective process of digitalization of the economy also had a significant impact on the content of economic theory. Based on their own experience of teaching economic theory at a university, the authors give a critical assessment of the period of its transformation and draw attention to the fact that the crisis of economic theory as an academic discipline is a consequence of its crisis as a branch of scientific knowledge.","PeriodicalId":435973,"journal":{"name":"Siberian Financial School","volume":"58 7 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139199113","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":"Functioning of regional banks in the modern regulatory environment: experience of the USA, Germany, India and China","authors":"N. V. Fadeikina, N. S. Shvetsova","doi":"10.34020/1993-4386-2023-3-118-130","DOIUrl":"https://doi.org/10.34020/1993-4386-2023-3-118-130","url":null,"abstract":"The article analyzes the essence of the concept of \"regional bank\" and the principles of their functioning, examines the modern experience of foreign regional banks in federal countries (USA, Germany and India) and in unitary states (mainly on the example of China), taking into account the regulatory environment that has developed in these countries, including the institutional structure banking systems and the grounds for classifying banks as regional. The results of the assessment of the state of the banking systems of these countries and their development trends are disclosed. Special attention is paid to the state policy of the countries under consideration aimed at the development of regional banks in order to ensure the economic growth of the regions, improve the quality of banking services (including in remote regions) and the level of welfare of citizens, as well as the implementation by national (central) banks of the mechanism of proportional regulation of the activities of regional banks.","PeriodicalId":435973,"journal":{"name":"Siberian Financial School","volume":"108 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139201323","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 regional activities of non-state pension funds","authors":"T. A. Popova, E. I. Bulsuev","doi":"10.34020/1993-4386-2023-3-148-153","DOIUrl":"https://doi.org/10.34020/1993-4386-2023-3-148-153","url":null,"abstract":"The subject of the study is the factors influencing the activities of non-state pension funds (NPFs). To analyze the differences in the performance of NPFs in different regions, the article uses a graphical and statistical method. In the study, indicators of the activity of NPFs were developed, and then factors that can influence the indicators were proposed, then a correlation matrix was built to determine the closeness of the relationship between indicators and factors. The result of the work was the identification of the main factors influencing the performance indicators of NPFs, as well as the conclusion that it is necessary to take into account the difference in the level of development of regions when developing recommendations to improve the efficiency of non-state pension funds.","PeriodicalId":435973,"journal":{"name":"Siberian Financial School","volume":"3 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139201823","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":"Oil and petroleum products market in the Russian Federation: new challenges and development prospects","authors":"M. Chirkov, A. Shapovalova, M. Chistyakov","doi":"10.34020/1993-4386-2023-3-169-182","DOIUrl":"https://doi.org/10.34020/1993-4386-2023-3-169-182","url":null,"abstract":"Within the framework of global geopolitical tensions and sanctions pressure from Western countries, the restructuring of the Russian oil market is taking place, affecting the economies of the leading states of the world arena, including Russia.The subject of the study is changes in the Russian oil and petroleum products market. The purpose of the study is to examine the situation on the oil and petroleum products market by the end of 2022, to analyze the main measures of the Russian government in response to anti–Russian sanctions, promising directions for reorienting supplies from Russia, and also to forecast the prospects for the development of the markets in question for 20232026.The results of the study. The current geopolitical uncertainty and various restrictive measures against Russia pose a threat to the stability of the Russian economy. These risks can be minimized with the help of competent actions of the authorities and the implementation of measures to redirect exports, which will support the economy and maintain positions in the international commodity market.","PeriodicalId":435973,"journal":{"name":"Siberian Financial School","volume":"15 11","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-11-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139206739","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}