ЗАЩИТА ПОТРЕБИТЕЛЕЙ И ИНВЕСТИЦИИ НА СТРАХОВОМ РЫНКЕ: ИТАЛЬЯНСКАЯ И РОССИЙСКАЯ ПРАКТИКА

The main areas in protection of consumers of insurance services are as follows: correct actuarial valuation of insurance liabilities, formation of insurance reserves, devising an investment policy, raising the solvency of insurance organizations, proper information about insurance relations. The paper examines the above-mentioned issues. The present work is the outcome of studies performed with extensive use of basic and applied research works conducted by Russian and foreign specialists. This work is based on statistical data from Italian and Russian insurance markets, regulatory documents, insurance supervision as well as data from Federal State Statistics Service and data from foreign sources. The methods of systemic analysis proved to be an effective tool in investigation. The article explores Italian and Russian experience in the field of protection of consumers of insurance services highlighting those aspects of the Italian experience that can be put into practice on the Russian insurance market. This study may be of interest for participants of the insurance market, especially for the corporate sector and analysts involved in establishing insurance relations aimed to protect the rights and interests of consumers of insurance services.В защите потребителей страховых услуг основными направлениями являются вопросы корректной актуарной оценки страховых обязательств, формирования страховых резервов и инвестиционной политики, платежеспособности страховых организаций, информационного сопровождения страховых отношений. Исследованию этой проблемы посвящена данная статья. Работа является результатом исследования, выполненного с использованием фундаментальных и прикладных работ российских и зарубежных специалистов. Базируется на статистических данных итальянского и российского страхового рынка, нормативных документах, данных страхового надзора, Федеральной службы государственной статистики, зарубежных источниках. Работа проведена с помощью методов системного анализа. В статье исследованы вопросы итальянской и российской практики решения проблем защиты потребителей страховых услуг в определенных аспектах: актуарной оценки страховых обязательств, формирования страховых резервов и инвестиционной политики, платежеспособности страховых организаций, информационного сопровождения страховых отношений. Выявлены основные аспекты итальянского опыта, которые могут быть применены на российском страховом рынке. Материалы работы могут быть использованы участниками страхового рынка - корпоративным сектором и аналитическими компаниями при формировании страховых отношений в целях защиты прав потребителей страховых услуг

Labor and employment sphere in the conditions of the digital economy: development prospects

The article provides an analysis of the digital transformation consequences for the development of the field of labor and employment. Particular attention is paid to the issues of job replacement, employment de-standardisation and structural shifts in the labor market as a whole. The information base of the research is made up of Russian and foreign literature, analyzed using general scientific methods. The results of the analysis confirmed the profound nature of the changes taking place which must be considered as an objective process of forming a new paradigm of the labor market with its advantages and disadvantages. This is most characteristically manifested in the widespread use of non-standard employment forms (platform, remote, etc.) which, among other things, carry a lot of risks for the younger generation. In turn, the threats of large-scale technological unemployment are seen as somewhat exaggerated, as evidenced by research, while the problem of polarization of the labor market is much more real. Summing up, authors have concluded that there is a need to improve public policy in the field of labor and employment to overcome challenges of the digital age

Application of multivariate statistical analysis for delineation of prospective geochemical anomalies in Providenskaya Area (Chukotka, Russia)

The secondary geochemical field structure was modelled on the basis of the lithogeochemical dispersion trains of the Providenskaya Area of the Chukotka Peninsula. The factor and cluster analysis were applied to interpret the nature of geochemical anomalies. It was proved that a range of anomalies were prospective for gold-silver, polymetallic, tin, and tungsten deposit allocation

The soft and the hard pomerons in hadron elastic scattering at small t

We consider simple-pole descriptions of soft elastic scattering for pp, pbar p, pi+ p, pi- p, K+ p and K- p. We work at t and s small enough for rescatterings to be neglected, and allow for the presence of a hard pomeron. After building and discussing an exhaustive dataset, we show that simple poles provide an excellent description of the data in the region - 0.5 GeV^2 < t < -0.1 GeV^2, 6 GeV<sqrt(s)< 63 GeV. We show that new form factors have to be used, and get information on the trajectories of the soft and hard pomerons.Comment: 27 pages, 9 figures, LaTeX. A few typos fixed, and references correcte

A theoretical study of the structural phases of Group 5B - 6B metals and their transport properties

In order to predict the stable and metastable phases of the bcc metals in the block of the Periodic Table defined by groups 5B to 6B and periods 4 to 6, as well as the structure dependence of their transport properties, we have performed full potential computations of the total energies per unit cell as a function of the c/a ratio at constant experimental volume. In all cases, a metastable body centered tetragonal (bct) phase was predicted from the calculations. The total energy differences between the calculated stable and metastable phases ranged from 0.09 eV/cell (vanadium) to 0.39 eV/cell (tungsten). The trends in resistivity as a function of structure and atomic number are discussed in terms of a model of electron transport in metals. Theoretical calculations of the electrical resistivity and other transport properties show that bct phases derived from group 5B elements are more conductive than the corresponding bcc phases, while bct phases formed from group 6B elements are less conductive than the corresponding bcc phases. Special attention is paid to the phases of tantalum where we show that the frequently observed beta phase is not a simple tetragonal distortion of bcc tantalum

Multimedia technologies in vocational education

Modern higher professional education is aimed at the formation of a highly qualified competent specialist. In the conditions of the competence approach, there is an active introduction in the educational process of multimedia technologies. This is one of the most rapidly developing areas of information technology. Therefore, the training of students should be carried out with the use of various information and communication tools, ensuring the improvement of the quality of education. The purpose of the article is to present the experience of training students of pedagogical University using multimedia technologies. The analysis of the impact of these technologies on the motivation and training of students when studying discipline "technology of training teachers of the past" (media technologies have been embedded in the discipline content). For the study, we measured the motivation of students. We compared the indicators of motivation diagnostics in 2017 (before the introduction of multimedia technologies) and 2018 (after the introduction of technologies). We compared the motives of creative realization (MTR) and professional motives (PM). According to the control event on the discipline "Technologies of teaching teachers of the past", we found that the percentage of "excellent" in 2018 has increased significantly, the percentage of unsatisfactory ratings have decreased. The obtained data allowed detecting positive changes after the introduction of multimedia technologies into the educational process. The motivation of students to study the discipline has increased, their preparedness has increased, and the quality of education has increased. The high efficiency of multimedia technologies was determined, so their implementation in the training of students of pedagogical University will continue

The willingness of teachers to use modern educational technologies in educational process

Among the most significant trends in the development of vocational education, introduction and use of educational technologies can be distinguished. Since the main goal of higher schools is to prepare a competent competitive specialist, they search for the most suitable methods that contribute to rapid achievement of results. The use of technologies by educational institutions is explained by their advantage over other methods of developing professional competence. Due to implementation of a certain algorithm of actions, they allow you to achieve guaranteed results in a timely manner. The purpose of the article is to form future teachers ' the level of competency development, reflecting students’ willingness to adapt, adjust and use educational technologies in professional teaching activities. To do this, we checked the level of motivation of future teachers, the level of knowledge of the theoretical foundations of educational technologies, their design and implementation in professional and pedagogical activities, and the level of formation of the ability to reflect. The development of competencies reflecting the student’s readiness to adapt, adjust and use educational technologies in professional pedagogical activity was carried out in a certain logical sequence, so that the student possessed versatile knowledge about educational technologies, was capable of their systematic creative application and his reflective activity was associated with self-actualization and striving for the implementation of constructive professional activities. The development process was carried out in the course of students solving research and design problems. Research activity was carried out by students in the study of the course “Pedagogical technologies”, fundamental for future teachers of vocational training. The implementation of the projects was carried out during the development of the course "Project Activities of a Professional Education Teacher"

Light absorption by polar and non-polar aerosol compounds from laboratory biomass combustion

Fresh and atmospherically aged biomass-burning (BB) aerosol mass is mostly comprised of strongly light-absorbing black carbon (BC) and of organic carbon (OC) with its light-absorbing fraction – brown carbon (BrC). There is a lack of data on the physical and chemical properties of atmospheric BB aerosols, leading to high uncertainties in estimates of the BB impact on air quality and climate, especially for BrC. The polarity of chemical compounds influences their fate in the atmosphere including wet/dry deposition and chemical and physical processing. So far, most of the attention has been given to the water-soluble (polar) fraction of BrC, while the non-polar BrC fraction has been largely ignored. In the present study, the light absorption properties of polar and non-polar fractions of fresh and aged BB emissions were examined to estimate the contribution of different-polarity organic compounds to the light absorption properties of BB aerosols. In our experiments, four globally and regionally important fuels were burned under flaming and smoldering conditions in the Desert Research Institute (DRI) combustion chamber. To mimic atmospheric oxidation processes (5–7 days), BB emissions were aged using an oxidation flow reactor (OFR). Fresh and OFR-aged BB aerosols were collected on filters and extracted with water and hexane to study absorption properties of polar and non-polar organic species. Results of spectrophotometric measurements (absorption weighted by the solar spectrum and normalized to mass of fuel consumed) over the 190 to 900nm wavelength range showed that the non-polar (hexane-soluble) fraction is 2–3 times more absorbing than the polar (water-soluble) fraction. However, for emissions from fuels that undergo flaming combustion, an increased absorbance was observed for the water extracts of oxidized/aged emissions while the absorption of the hexane extracts was lower for the aged emissions for the same type of fuels. Absorption Ångström exponent (AAE) values, computed based on absorbance values from spectrophotometer measurements, were changed with aging and the nature of this change was fuel dependent. The light absorption by humic-like substances (HULIS) was found to be higher in fuels characteristic of the southwestern USA. The absorption of the HULIS fraction was lower for OFR-aged BB emissions. Comparison of the light absorption properties of different-polarity extracts (water, hexane, HULIS) provides insight into the chemical nature of BB BrC and its transformation during oxidation processes