The concept of special escrow accounts to improve mortgage housing loans in Russia

Purpose: The article aims to identify and evaluate the key determinants of improving mortgage lending in Russia. Increasing the participation of financial institutions in the application of escrow accounts is of paramount importance in terms of fine-tuning the process of improving mortgage lending in Russia. Design/Methodology/Approach: In order to further improve housing mortgage lending, it seems necessary: firstly, to identify new opportunities that contribute to the development of a system of interaction between credit and financial organizations and borrowers in terms of using the innovative functions of escrow accounts; secondly, to highlight the functions, during the application of which the increase in the efficiency of the escrow account mechanism will be optimal; thirdly, to formulate recommendations on the implementation of the necessary changes in the process of applying escrow accounts, taking into account the peculiarities of mortgage lending in Russia. Findings: To fully take into account the potential impact of special escrow accounts on the process of interaction between the lender and the borrower, an additional escrow account functionality was developed, aimed at improving mortgage lending. Practical Implications: The results of the study can be put into practice in order to expand the range of escrow account functions used in the process of mortgage lending in Russia. Originality/Value: The main contribution of this study is the emphasis on the need to introduce innovative approaches to increase the functionality of escrow accounts used in the process of mortgage lending in Russia.peer-reviewe

Directed transport in periodically rocked random sawtooth potentials

We study directed transport of overdamped particles in a periodically rocked random sawtooth potential. Two transport regimes can be identified which are characterized by a nonzero value of the average velocity of particles and a zero value, respectively. The properties of directed transport in these regimes are investigated both analytically and numerically in terms of a random sawtooth potential and a periodically varying driving force. Precise conditions for the occurrence of transition between these two transport regimes are derived and analyzed in detail.Comment: 18 pages, 7 figure

Arrival time distribution for a driven system containing quenched dichotomous disorder

We study the arrival time distribution of overdamped particles driven by a constant force in a piecewise linear random potential which generates the dichotomous random force. Our approach is based on the path integral representation of the probability density of the arrival time. We explicitly calculate the path integral for a special case of dichotomous disorder and use the corresponding characteristic function to derive prominent properties of the arrival time probability density. Specifically, we establish the scaling properties of the central moments, analyze the behavior of the probability density for short, long, and intermediate distances. In order to quantify the deviation of the arrival time distribution from a Gaussian shape, we evaluate the skewness and the kurtosis.Comment: 18 pages, 5 figure

Analytically solvable model of a driven system with quenched dichotomous disorder

We perform a time-dependent study of the driven dynamics of overdamped particles which are placed in a one-dimensional, piecewise linear random potential. This set-up of spatially quenched disorder then exerts a dichotomous varying random force on the particles. We derive the path integral representation of the resulting probability density function for the position of the particles and transform this quantity of interest into the form of a Fourier integral. In doing so, the evolution of the probability density can be investigated analytically for finite times. It is demonstrated that the probability density contains both a $\delta$-singular contribution and a regular part. While the former part plays a dominant role at short times, the latter rules the behavior at large evolution times. The slow approach of the probability density to a limiting Gaussian form as time tends to infinity is elucidated in detail.Comment: 18 pages, 5 figure

Socio-psycological aspects of stydying sharnirnay hinged pupet ( to the question of types of toys)

The material is devoted to the problems and type of games model of contemporary culture. We produce the variant of dolls types, division on the base realistic images. The popular bolt joined realistic doll isn’t the example of order games model.Статья посвящена специфике игровых моделей в современной культуре, предлагается вариант типологии игрушки, где разделение проводится по границе подвижности и степени условности. Шарнирная реалистичная кукла рассматривается как проявление нарушения основополагающих законов игры и отсутствия необходимых культурных цензов в современном социуме

Motor noise is rich signal in autism research and pharmacological treatments

The human body is in constant motion, from every breath that we take, to every visibly purposeful action that we perform. Remaining completely still on command is a major achievement as involuntary fluctuations in our motions are difficult to keep under control. Here we examine the noise-to-signal ratio of micro-movements present in time-series of head motions extracted from resting-state functional magnetic resonance imaging scans in 1048 participants. These included individuals with autism spectrum disorders (ASD) and healthy-controls in shared data from the Autism Brain Imaging Data Exchange (ABIDE) and the Attention-Deficit Hyperactivity Disorder (ADHD-200) databases. We find excess noise and randomness in the ASD cases, suggesting an uncertain motor-feedback signal. A power-law emerged describing an orderly relation between the dispersion and shape of the probability distribution functions best describing the stochastic properties under consideration with respect to intelligence quotient (IQ-scores). In ASD, deleterious patterns of noise are consistently exacerbated with the presence of secondary (comorbid) neuropsychiatric diagnoses, lower verbal and performance intelligence, and autism severity. Importantly, such patterns in ASD are present whether or not the participant takes psychotropic medication. These data unambiguously establish specific noise-to-signal levels of head micro-movements as a biologically informed core feature of ASD

Psychological Well-Being of People Who Have Experienced a Difficult Life Situation: Affective and Cognitive Aspects

Анализируются отношения между когнитивно-аффективной сферой и уровнем психологического благополучия людей, переживших трудные жизненные ситуации. Рассмотрены основные виды трудных жизненных ситуаций и частота их встречаемости в исследуемой выборке. Исследованы выраженность метакогнитивных убеждений в отношении стресса и интенсивность переживаемых эмоций. Проанализирована связь этих характеристик с уровнем психологического благополучия и его компонентами.The authors analyze the relationship between the cognitive-affective sphere and the level of psychological well-being of people who have experienced difficult life situations. The main types of difficult life situations and the frequency of their occurrence in the studied sample are described. The metacognitive beliefs about stress and the intensity of experienced emotions were investigated. Correlations are established between these characteristics and the level of psychological well-being and its components.Работа выполнена при финансовой поддержке РНФ (проект № 21‑78‑00116)