DIRECTIONS OF DEVELOPMENT OF BANK TECHNOLOGIES APPLIED IN THE RUSSIAN MARKET OF RETAIL CREDIT SERVICES

Abstract. The relevance of the research is determined by the focus of the banking segment on digitalizing banking services, the gradual transition from the development of banking products based on the needs of certain social strata and groups to individual selected products, taking into account the behavior and structure of the client's balance, which involves the active development of "data collection" technologies and introduction of advanced systems of protection of the client's funds and confidential information.In this article, we present new banking technologies that can increase the efficiency and security of lending. In addition, we consider the mechanism affecting technologies, supply on the markets of IT services, their prospects for further application and development. There are comments of experts and bank employees about prospects of these technologies. The study of modern technologies applied by individual banks in Russia allowed the authors to identify key trends in the technological re-equipment of banks as well as explore the advantages and disadvantages of already tested and mastered technological solutionsKeywords: commercial bank, lending to individuals, biometric technologies, Big Data technologies

Kultura ruského šlechtického "sboru" a jeho vyobrazení v literatuře 19. století

The subject matter of the present paper is the culture of the Russian nobility and its image in the 19th century Russian literature. The aim of the thesis is to study the issue of the closeness of the nobility to the Russian nation's culture. The theoretical part of the paper deals with the history of the nobility: its formation, advancement and prosperity. The concepts of «culture», «Russian culture» and their constituents are explored in the thesis next. This part is aimed at analyzing the main elements of the noble class' culture. A philological analysis of the two 19th century literary works, namely «Eugene Onegin» by A.S. Pushkin and «War and Peace» by L.N. Tolstoy, is conducted in the third chapter to identify the elements of the nobility's culture. After the spheres of culture have been established they were analyzed, namely the relation between the upper class' culture and the culture of the whole Russian nation; education and upbringing; everyday culture; life conditions; matters of marriage, family, love and relationships; leisure and social life; the notion of the manor as the center of the countryside culture. The study showed the examples of both elements of remoteness and closeness to the culture of Russian people. Studies carried out in the theoretical and practical part of the...Předmětem této diplomové práce je kultura ruské šlechty a její vyobrazení v ruské literatuře XIX. století. Cílem této práce je analýza tématu blízkosti ruské šlechty k lidovým pramenům. Teoretická část je zaměřena na historii ruské šlechty: její vznik a rozvoj. Dále práce rovněž popisuje pojmy «kultura», «ruská kultura», oblasti kultury. Táto část práce je zaměřena na zkoumání základních prvků kultury ruského šlechtického «sboru». V praktické části se práce zabývá filologickou analýzou dvou literárních děl, jmenovitě «Evžen Oněgin» A. Puškina a «Vojna a mír» L. Tolstého. Pozornost je věnována vyobrazení kultury ruské šlechty a jejímu vztahu k ruskému národu. V práci jsou uvedeny následující sféry šlechtické kultury: vztah kultury šlechty ke kultuře ruského národu; vzdělávání a výchova; každodenní kultura; životní podmínky; otázky manželství, rodiny, lásky a vztahů; volný čas a společenský život; kultura šlechtických usedlostí. V práci bylo projednáno o tom, jak kultura šlechtického «sboru» ovlivňovala kulturu ostatních lidí a následně celou ruskou národní kulturu. Byly zjištěny rysy vzdálenosti šlechtického sboru od národu ale také bylo zjištěno mnoho podobností v tradicích šlechty a rolníků. Zkoumání v teoretické a praktické části práce naznačují, že vzdělaná a progresivní šlechta věřila, že...Katedra rusistiky a lingvodidaktikyPedagogická fakultaFaculty of Educatio

Brics' Foreign Debt Burden and its Impact on Core Institutional Basis

Creation of a multipolar international economy and economic relations is accompanied by shifting gravity centers of international finances, redistribution of positions on the global market for financial services in favor of large emerging countries and countries with transitional economies. This post crisis period triggered serious problems related to international capital inflows and outflows at the BRICS states. This is all due to a slow recovery of developed countries; a high probability of a full-scale debt crisis in some E.U. states; mounting uncertainties following financial reforms in some states, etc. But raising debt as an important way to finance speedy economic growth and import of technologies to the BRICS countries make their financial systems more vulnerable to exogenous stresses and shocks, which result in an unreasonable firming of national currencies. In our research, we have identified the risks and misbalances of global development, which affect BRICS, evaluated the influence of foreign debt and singled out the key growth trends. We have revealed the importance of the New Development Bank development, which will help solve urgent problems of its participants connected with their growing role in international economic relations: the creation of a regional financing mechanism as well as a core institutional basis to represent BRICS' interests in the global financial structure and to become the missing link in interaction with global financial institutions

Analysis of the investments influence in environmental protection measures on the structure of ecological costs distribution on the example of the Republic of Sakha (Yakutia)

Modern investment processes can be considered the main factor in the development of individual constituent entities of the Russian Federation. The emergence of additional jobs, the improvement of social infrastructure contribute to the growth of the quality of life of the population. However, the active use of natural resources as a raw material base for industry and agriculture has consequences: the depletion of resources and the violation of their structure and quality. Environmental protection measures are an important component of the development of regions. The article сonsiders investments aimed at protecting land and water resources in the Republic of Sakha (Yakutia). The study of the statistics of costs for the conservation and restoration of water and land using the Gatev integral index allowed us to conclude about significant changes in current costs structure. Based on the correlation and regression analysis, the ratio between the Gatev index of structural differences in costs and the share of investments in the rehabilitation of soil and water resources with a correlation of 0.85 has been obtained. It has been concluded that a decrease in the level of attracted investments entails, in aggregate, a significant redistribution of funds for measures aimed at improving the natural resources of agricultural purposes

Polymorphisms of CYP2C8, CYP2C9 and CYP2C19 and risk of coronary heart disease in Russian population

Epoxyeicosatrienoic acids (EETs) are important vasoactive products of arachidonic acid metabolism with a wide range of biological actions in the cardiovascular system. The present study investigated whether single nucleotide polymorphisms of genes coding cytochrome P450 2C subfamily, enzymes involved in biosynthesis of EETs, are associated with the risk of coronary heart diseas

The contribution of CYP2C gene subfamily involved in epoxygenase pathway of arachidonic acids metabolism to hypertension susceptibility in Russian population

The present study was designed to investigate whether common single-nucleotide polymorphisms (SNP) of CYP2C gene subfamily such as CYP2C8 (rs7909236 and rs1934953), CYP2C9 (rs9332242), and CYP2C19 (rs4244285) are associated with susceptibility to EH in Russian populatio

Setor agroindustrial do desenvolvimento da Rússia sob sanções e contra-sanções

In the article they studied the specifics of Russia agro-industrial sector development in connection with the current political and economic instability, they revealed positive and negative aspects for the agriculture sector in conditions of sanctions and counter-sanctions. Besides, they analyzed the indicators characterizing the volumes of domestic product export and import, the losses of individual countries due to sanctions and counter-sanctions. In order to preserve positive shifts and increase the import substitution of agricultural products, they determined problems and possible solutions, offered the trends for the development of Russian agro-industrial sector and the strengthening of food security.En el artículo que estudiaron los detalles del desarrollo del sector agroindustrial de Rusia en relación con la actual inestabilidad política y económica, revelaron aspectos positivos y negativos para el sector agrícola en condiciones de sanciones y contra sanciones. Además, analizaron los indicadores que caracterizan los volúmenes de exportación e importación de productos nacionales, las pérdidas de países individuales debido a sanciones y contra sanciones. Con el fin de preservar los cambios positivos y aumentar la sustitución de importaciones de productos agrícolas, determinaron los problemas y las posibles soluciones, ofrecieron las tendencias para el desarrollo del sector agroindustrial ruso y el fortalecimiento de la seguridad alimentaria.No artigo que estudaram as especificidades do desenvolvimento do setor agroindustrial da Rússia em conexão com a atual instabilidade política e econômica, eles revelaram aspectos positivos e negativos para o setor agrícola em condições de sanções e contra-sanções. Além disso, analisaram os indicadores que caracterizam os volumes de exportação e importação de produtos nacionais, as perdas de países individuais devido a sanções e contra-sanções. A fim de preservar as mudanças positivas e aumentar a substituição de importações de produtos agrícolas, eles determinaram problemas e possíveis soluções, ofereceram as tendências para o desenvolvimento do setor agroindustrial russo e o fortalecimento da segurança alimentar

Social equity : a route to progressive taxation of individuals

Most countries of the world use a progressive scale to tax individuals. However, the level of tax progression decreased a lot thanks to a lower number of rates and their fall in the first two decades of the XXI-st century as liberal ideas had spread in the middle of the XX-th century. Individuals’ income can be taxed either at a progressive or a flat scale of rates. At the same time, there is no straightforward position, which scale to choose in the economic theory. Tying the personal income tax rate not to the absolute figures of income, but to such categories as a household’s subsistence level, a budget of a household in comfortable circumstances would be reasonable in conditions of a dynamic Russian market environment burdened with inflationary phenomena. This model of the personal income tax and the use of a progressive scale in a city with population numbers of up to 20 million people shows that the tax will rise by a mere US $4.7 compared with the current 13the income tax for medium paid workers will rise by US$ 57.8. At the same time the figure rose by US$ 372.9 for highly paid employees. The use of this model ensures a significant increase of budget income of a region and closure of the gap between wages of highly and low paid workers employed in the economy.peer-reviewe