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

On a possibility of inelasticity partial coefficient K sub gamma determination in pi C and pi Pb interactions at 10 to the 14th power eV (experiment PAMIR 1)

The investigation of hadron-nuclear interactions in Pamir experiment is carried out by means of X-ray emulsion chambers of two types: carbon (C) and lead (Pb). While comparing the results from the chambers of both types it was found a discrepancy in n sub h and E sub h(1)R values. The observed discrepancy in C and Pb chambers is connected with the difference in values of effective coefficients of energy transfer to the soft component K sub eff for C and Pb chambers

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

GENDER-SPECIFIC INFLUENCE OF Aу MUTATION ON PROGENY METABOLIC PHENOTYPE, FETAL GROWTH AND PLACENTAL GENE EXPRESSION IN MICE

Obesity during pregnancy increases the risk of obesity in offspring. To correct the offspring development in obese mothers, it is necessary to reveal the molecular mechanisms that mediate the influence of the maternal environment on the offspring ontogenesis. Leptin levels increase with obesity. In C57Bl mice, the Ау mutation is associated with elevated blood levels of leptin in pregnant females and exerts a gender-specific effect on the metabolic phenotype of mature offspring. Aim: to study the influence of Ау mutation on sensitivity to diet-induced obesity in male and female offspring, on fetal and placental weight and on the expression of genes in the placentas of the fetuses of different sexes. Body weight and food intake on a standard and an obesogenic diet, fetal and placental weights on pregnancy days 13 and 18, and gene expression of glucose transporters (GLUT1, GLUT3), neutral amino acid transporters (SNAT1, SNAT2, SNAT4), insulin-like growth factor 2 IGF2 and its receptor IGF2R were measured in male and female offspring of и ɑ/ɑ (control) and Ау/ɑ mothers. Ay mutation influenced the body weight only in male offspring, which consumed a standard diet, and did not influence obesity development in both male and female offspring. The weight of fetuses and placentas in Ау/ɑ as compared to ɑ/ɑ  females was reduced on day 13 of pregnancy and was not different on day 18. On day 13 of pregnancy, the mRNA levels of the examined genes did not differ in placentas of male and female fetuses in ɑ/ɑ  females. In Ау/ɑ females, the gene expression of GLUT1, GLUT3, SNAT1 and SNAT4 was reduced in female placentas compared to male placentas. The results suggest that the sex-specific transcription response of placentas to elevated leptin levels in pregnant Ау/ɑ females can mediate the gender-specific impact of Ау mutation on the offspring metabolism in postnatal life

Nutritional habits of athletes in speed-and-strength sports

Speed-and-strength sports differ from other sports because of its short time and very intense physical activity. ^e review provides a literature analysis of the effect of nutrients on the metabolic processes that occur during the occupation of these sports. During the training of athletes generally anaerobic mechanisms of muscular work dominate, so the nutrition of athletes focuses on the consumption of foods with high protein content and essential amino acids. ^e article describes general principles of diet constructing for athletes that should correspond to the basics of optimal nutrition, depend on the period of sport activity (training, competition, recovery), the duration and intensity of physical exertion, etc. Based on the results of recent studies published by domestic and foreign authors, the substantiation of the energy value and the chemical composition of the diet (the content of proteins, fats, carbohydrates, vitamins, macro- and microelements), as well as the formation of diets and drinking regime for highly skilled athletes involved in speed-and-strength sports is given

New device for air disinfection with a shielded UV radiation and ozone

Received: February 1st, 2021 ; Accepted: May 2nd, 2021 ; Published: May 7th, 2021 ; Correspondence: [email protected] air disinfection has become particularly relevant recently because of the Covid-19 pandemics. A shielded device for air and surface disinfection with UV radiation and ozone has been developed. It contains 28 low intensity (11 W) UV lamps (254 nm) in a specially designed three-dimensional grid to provide a large flow cross-sectional area and long path for the air particles to be irradiated. The device can be used in medical institutions, veterinary clinics, manufacturing plants, public premises, poultry, and livestock farms. It does not generate air-ions and ozone concentrations do not exceed the allowed 8-hour average values. The large number of UV lamps and powerful fans ensure air disinfection in large rooms in a relatively short time (400 m3 h -1 ). Simultaneously, the floor surface under the appliance is disinfected. Disinfection efficiency tests demonstrated 99.9999% reduction for Escherichia coli, Staphylococcus aureus and Pseudomonas phage Φ6 aerosols within a single transfer through the system (10 seconds of treatment). The housing of the device protects from direct UV radiation; therefore, people can be in the room during the operation of the device