Про необхідність використання іноземного досвіду мікрострахування та гарантування кредитів малому підприємству в Україні

У статті йдеться про світовий досвід використання гарантійних установ для підтримки малого підприємництва. Проаналізовано основні параметри діяльності фондів гарантування кредитів та інститутів мікрострахування. Визначено можливості впровадження схем гарантування та мікрострахування підприємств малого бізнесу в Україні. Ключові слова: кредит, фінансування, підприємництво, малий бізнес, гарантія, фонд, банківська система, страхування, забезпечення, мікрострахування.В статье исследован мировой опыт использования гарантийных учреждений для поддержки малого предпринимательства. Проанализированы основные параметры деятельности фондов гарантирования кредитов и институтов микрострахования. Определены возможности внедрения схем гарантирования и микрострахование предприятий малого бизнеса в Украине. Ключевые слова: кредит, финансирование, предпринимательство, малый бизнес, гарантия, фонд, банковская система, страхование, обеспечение, микрострахование.In the article research of world experience of the use of guarantee establishments is conducted for support of small enterprise. The basic parameters of activity of funds of guaranteeing of credits are analysed and institutes of mikroinsurance. Possibilities of introduction of charts of guaranteeing are certain and mikroinsurance of enterprises of small business in Ukraine. Key words: credit, finance, entrepreneurship, small business, the guarantee fund, banking, insurance, security, micro-insurance

Field evidence for normal fault linkage and relay ramp evolution: the Kırkağaç Fault Zone, western Anatolia (Turkey)

Linking of normal faults forms at all scales as a relay ramp during growth stages and represents the most efficient way for faults to lengthen during their progressive formation. Here, I study the linking of normal faulting along the active Krkaac Fault Zone within the west Anatolian extensional system to reconstruct fault interaction in time and space using both field- and computer-based data. I find that (i) connecting of the relay zone/ramp occurred with two breaching faults of different generations and that (ii) the propagation was facilitated by the presence of pre-existing structures, inherited from the zmir-Balkesir transfer zone. Hence, the linkage cannot be compared directly to a simple fault growth model. Therefore, I propose a combined scenario of both hangingwall and footwall fault propagation mechanisms that explain the present-day geometry of the composite fault line. The computer-based analyses show that the approximate slip rate is 0.38mm/year during the Quaternary, and a NE-SW-directed extension is mainly responsible for the recent faulting along the Krkaac Fault Zone. The proposed structural scenario also highlights the active fault termination and should be considered in future seismic hazard assessments for the region that includes densely populated settlements

Relative Tectonic Activity Assessment of the Cameli Basin, Western Anatolia, Using Geomorphic Indices

Western Anatolia is one of the world's most seismically active regions. A nearly N-S-oriented extension caused the formation of E-W- and NE-SW-trending major grabens, creating the potential for earthquakes with magnitudes5. The fault segments of the NE-trending Cameli Basin were evaluated using geomorphic indices, common tools for assessment of relative tectonic activity in such areas. Quantitative measurement of geomorphic indices including mountain-front sinuosity (Smf; 1.35-2.39), valley floor width-to-height ratios (Vf; 0.080.37), and hypsometric integral (HI; 0.31-1.05) suggest relatively higher tectonic activity along western and southern part of the basin. Hypsometric curves for all segments of the faults mostly exhibit concave or straight profiles, signifying existence of young mountain fronts in the Cameli Basin. These calculations indicate that the Cameli Basin is tectonically active and, southern/south-western areas of this depression have earthquake potential, consistent with epicentres of recent earthquakes, occurred along some fault segments. Possible reason of this activity seems to be related to the E-W-trending corridor lying between the Gulf of Gokova and south-eastern part of the Cameli Basin, represented by active normal faults. These findings should be valid beyond the Cameli Basin for similar situations along the Isparta Angle's western margin.WoSScopu

Slip distribution and source parameters of the 20 July 2017 Bodrum-Kos earthquake (Mw6.6) from GPS observations

© 2017 The Author(s). Greek-Turkish boundary near the cities Kos and Bodrum has been shaken on July 20, 2017 by a Mw6.6 earthquake. The mainshock is located offshore and did not generate an on-land surface rupture. Analyzing pre- and post-earthquake continuous/survey-type static GPS observations, we investigated co-seismic surface displacements at 20 sites to characterize source parameters and slip-distribution of the mainshock. Fault plane solutions as well as co-seismic slip distribution have been acquired through the inversion of co-seismic GPS displacements modeling the event as elastic dislocations in a half space. Fault plane solution shows a southward dipping normaltype fault segment extending a depth down to ~12 km, which remains within the brittle upper crust. Results from the distributed slip inversion show that the mainshock activated a ~65 km fault section, which has three high slip patches, namely western, central and eastern patches, where the coseismic slips reach up to 13, 26, and 5 cm, respectively. This slip pattern indicates that the pre-earthquake coupling, which is storing the slip deficit, occurred on these three patches