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

The digitalization features of the Russian social media market insurance service

Purpose: The article aims to identify the features of digital techniques introduction and functioning in the insurance industry and the social insurance system. The information techniques used allows to quickly and with the best results to process large amounts of data, thereby increasing the efficiency of all the spheres to reduce social and commercial risks. Design/Methodology/Approach: In order to substantiate introducing the digital techniques expediency in the activity of the insurance system, it is necessary, first, to consider the advantages and disadvantages of information techniques use in the commercial and social insurance. Second, to describe the main digital programs, the implementation of which will increase the targeting and personalization of insurance services. Findings: For the digital techniques introduction in the sphere of insurance relations it is necessary to form the wholly new structure of insurance assets that meet the priorities of the digital economy; to create the necessary conditions for the development and implementation of modern actuarial techniques; to create conditions for increasing incomes and the life standard of the population in order to stimulate demand for insurance services; to change the structure and quality of social services. Practical implications: The results of the study can be implemented in the practice of social funds and insurance companies in order to improve the quality of insurance services. Originality/value: The main contribution of this research is to transfer the processes and mechanisms for the global digital economy and global digital space formation to the social and insurance relations.peer-reviewe

АКТУАЛЬНЫЕ ВОПРОСЫ ФОРМИРОВАНИЯ РЕСУРСОВ СЕЛЬСКОГО ХОЗЯЙСТВА, ИМПОРТОЗАВИСИМОСТИ И РАЗВИТИЯ ПОТРЕБИТЕЛЬСКОГО РЫНКА ПРОДУКТОВ ПИТАНИЯ

Article is devoted questions of development of food resources ofthe program consumer import substitution» as a means of food ofthe country in the of foreign sanctions and food embargo of Russia.Introduction of sectoral restrictions on import of agricultural products and the foodstuffs as a package on economic sanctions the Russian enterprises from the USA, EU and some other countriesmanaging subjects, including the organizations and the enterprisescooperative consumer system, their models of competitive strategy.The аrticle is questions of development of the market of foodproducts also are, characteristics of dynamics of structure of salesof such goods in the consumer market, and also their social andeconomic differentiation is investigated.Статьяпосвященавопросамразвитияпродовольственныхресурсовврамкахпрограммы«опережающегопотребительского импортозамещения» как средства обеспечения продовольственнойбезопасностистранывусловияхзарубежныхсанкций и продовольственного эмбарго России. Введение сроком секторальных ограничений на импорт отдельных видов сельскохозяйственной продукции и продовольствия как пакета ответных мер на экономические санкции в отношении российских предприятий со стороны США, ЕС и некоторых др. стран заставляют хозяйствующие субъекты, в том числе организации и предприятия системы потребительской кооперации, пересмотреть используемые ими модели конкурентных стратегий. В статье также рассматриваются вопросы развития рынка продуктовпитания, даютсяхарактеристикидинамикиструктуры продаж таких товаров на потребительском рынке, а также исследуется их социально-экономическая дифференциация

The Importance of the Principle of Visibility in Learning

В статье рассмотрен принцип наглядности и особенности его применения в образовательном процессе. Описано значение наглядных методов в обучении и представлен ряд правил по их использованию для более успешного осуществления образовательного процесса

Analysis of the football players’ actual nutrition

Objective: to assess the actual nutrition of football players according to their personal daily energy expenditures.Materials and methods: the study of the actual nutrition of the athletes of the division II football team was carried out at the training camp. A total of 23 athletes participated in this study, including 3 goalkeepers, 3 attackers, 7 defenders, and 10 midfielders. The average age of the team is 24.2 ± 0.3 years. The collection of information on actual nutrition was carried out in two ways: using a 24­-hour dietary recall method for at least 2 days and frequency meal analysis method. The amount of food consumed was determined using lists that include information on portions and meals. The chemical composition and energy value of the diets were evaluated using two databases of Russian food composition tables. Energy expenditures were calculated using the heart rate monitoring.Results: study results show that the energy value of football players’daily ration averaged 2560.6 ± 150.6 kcal, while the average energy expenditure was 4100.0 ± 51.3 kcal/day. The study revealed high levels of fat (42 %) and EFA (14,8 %) consumption in terms of dietary intake, while the proportion of energy from carbohydrates was insufficient, only 43.1 %. Moreover, the athletes obtain 17.5 % of their energy intake from added sugar. In addition, the study revealed insufficient intake of vitamins A and B1 among 86 % of athletes, B2 — 79 %, niacin — 65 % and vitamin C — 72 %. Analysis of the daily intake of minerals revealed an insufficient calcium content in the 38 % of football players’ diets, magnesium — in 62 %, and low calcium to phosphorus ratio — in 44 % of diets.Conclusion: the data obtained showed a nutritional imbalance of the football players, both in intake of calories and in the nutrient consumption. 50 % of the athletes surveyed have insufficient protein intake, 80 % of those surveyed had high levels of fat and EFA consumption. The study revealed a high prevalence of genetic polymorphism associated with impaired bone mineralization. Considering that high performance sport requires a special approach to each athlete, taking into account his individual needs, the functional state of the body, genetic characteristics, the training phases, each athlete needs a personal diet, which will include certain products, vitamin and mineral supplements, and will definitely be adjusted in the future

Oxidative stress markers in patients suffering from opioid and psychostimulant dependence syndrome

Background. The available data from clinical studies suggest the essential role of free radical processes in the pathogenesis of drug dependence syndrome. At the same time, there is a limited understanding of using markers of oxidative stress in laboratory monitoring and prediction of drug pathology.Objective. To characterize changes in promising indicators of oxidative stress in patients with psychostimulant and opioid dependence syndrome.Material and Methods. The total study population was divided into three groups of men aged 23–35: healthy controls (n = 20), patients with the opioid (n = 20) and psychostimulant (n = 20) dependence syndrome. Patients were analyzed for the oxidative stress markers while being in therapy for addiction syndrome aimed at treating mental disorders and detoxification.Results. The study of antioxidant activity and blood plasma thiol groups did not reveal any significant differences between patients suffering from opioid and psychostimulant addiction. The values of the parameters mentioned above were maintained by 20–30% lower than the control indices throughout the entire study. The nature of changes in erythrocyte suspension parameters was not so unambiguous. Thus, patients with opioid dependence syndrome were characterized by a 91% increase in thiobarbituric acid (TBA)-reactive materials in the setting of a slightly altered state of the glutathione system parameters. Psychostimulant dependent patients revealed relatively low level of the products of biomolecule oxidative modifications in the erythrocytes that is 52% higher compared to the control values. It decreased during the therapy, but glutathione concentration reduction by 33% and an imbalance of glutathione metabolism were determined.Conclusion. The course of the opioid dependence syndrome is characterized by a pronounced intensification of free radical processes while the common trait for psychostimulant abusers is significant changes in the antioxidant defense system. Therefore, in the first case, it is most justified to conduct a laboratory assessment of indicators of oxidative damage, and in the second one, it is also advisable to determine the markers of the state of individual links of the antioxidant system

AUTOIMMUNE ORIGIN OF SARCOIDOSIS: DETERMINATION OF SPECIFIC IMMUNE COMPLEXES IN PATIENTS WITH RESPIRATORY SARCOIDOSIS

The etiology of sarcoidosis is not completely understood. A hypothesis exists about the relationship between sarcoidosis and a complex of pathological autoimmune reactions that occur under the influence of triggering factors. In this study, specific immune complexes in the blood plasma of patients have been determined, which can indirectly reveal the causes of the disease.The study included 33 patients with lung sarcoidosis (I group), compared to 24 healthy donors who served as a control group (II group). The patients underwent standard examination. Their blood plasma was investigated by the dynamic light scattering method with addition of tuberculosis antigens (ESAT-6/SFP-10) and “lung healthy tissue extract”. Statistical analysis was performed using the Statistica 7.0 program. Test results were considered significant at p < 0.05.Аccording to the data obtained, addition of ESAT-6/SFP-10 to patient’s blood plasma almost did not lead to the formation of immune complexes in most samples. Meanwhile, development of such complexes after addition of “lung tissue extract” was revealed in all the patients. The immune complexes were not detected in any donor from control group after stimulation with both kinds of antigens (p < 0.01).The data on distinct formation of immune complexes with the addition of “lung healthy tissue extract” in patients with lung sarcoidosis may be considered an indirect evidence for occurrence of autoimmune reaction under the influence of some pathogenic factors. Absence of de novo immune complex formation after addition of tuberculosis antigens (ESAT-6/SFP-10) makes it unlikely any direct effects of tuberculosis bacteria upon development of sarcoidosis

Reasoning for obligatory preclinical diagnostics of feline chronic kidney disease

Diseases of the urinary system of various etiologies are common in all species of animals and over time, they can lead to the development of chronic kidney disease (CKD) as the progressive process in which renal function gradually decreases over several years. In modern veterinary medicine, there is a problem of a steeply increase in cases of chronic kidney disease in cats. Pathology occurs most often in aged animals, but recent studies have registered cases of chronic renal dysfunction in young ones as well. In chronic kidney disease the kidneys do not work well for a long time, causing a number of changes in the body. Unfortunately, early symptoms are often missed by pet owners and the disease is not noticed for a long time. In most cases, the diagnosis of chronic kidney disease is established only when effective treatment is no longer possible or ineffective and treatment is able to maintain the homeostasis of the body only to a certain extent and for a short time. Undoubtedly, this approach to the diagnosis and treatment of kidney disease requires changes. In view of the fact that the duration of the preclinical stage of CKD can reach several years, the goals of our study were to show the benefits of early diagnosis of chronic kidney disease in cats and the introduction of a new concept of systematic body screening of clinically healthy animals and animals at risk. Also, the goals were to delay the moment of the kidneys compensatory reserve exhaustion and onset of clinical symptoms, which require constant symptomatic and replacement therapy. Reducing the percentage of early mortality of patients and the maximum possible increase in the duration of the preclinical stage of renal pathology were also aimed at. Efforts were also aimed at reducing the percentage of early mortality of patients and the maximum possible increase in the duration of the preclinical stage of renal pathology. Since nephroprotective therapy at the preclinical stage is highly effective in most clinical cases and allows to significantly slow down the progression of any chronic nephropathy, including CKD, there is a need for the formation of innovative diagnostic approaches at the early stages of the disease. It is proposed to conduct a cumulative assessment of the anamnesis in animals from risk groups, monitoring the level of creatinine in the blood serum, complete clinical analysis of urine, ultrasound examination of the kidneys, measurement of protein concentration, since these indicators have not only prognostic value and determine the tactics of treatment, but are also important factors pathogenesis of CKD. Since each parameter will not provide a complete state of the disease, since none of them is 100 % specific, an integrated approach to the early diagnosis of chronic kidney disease is needed for. It is necessary to take into account all the methods listed above, as well as monitoring the condition of the body of animals that have contracted any viral or bacterial infection, or have acute kidney damage, diabetes, hypertension, or metabolic disorders

Production of immunoregulatory molecules by induced erythroblasts at various stages of cell differentiation

Introduction. Bone marrow erythroblasts produce a wide range of cytokines with opposite biological effects. This may be due to a change in the spectrum of production of immunoregulatory mediators during differentiation and small qualitative and quantitative differences in the spectrum of cytokines produced at each stage of differentiation, which may be important for the regulation of hemo- and immunopoiesis.   The aim. To study the spectrum of production of mediators by erythroblasts at different stages of differentiation.   Methods. Erythroblasts were obtained from CD34+ bone marrow cells of healthy donors in the presence of recombinant cytokines. Phenotype assessment was performed using flow cytometry for erythroid (CD45, CD71, CD235a, CD44) and lymphoid markers (CD3, CD4, CD8, CD16, CD19). Blocking of erythroblast differentiation at different stages was carried out using specific blocking monoclonal antibodies to melanocortin receptors (MCR) of types 1, 2 and 5. Cytokine analysis in conditioned erythroblast media was performed using the Bio-Plex Pro Human Cytokine 48-Plex Screening Panel (Bio-Rad Laboratories, USA). Cytokine production was analyzed using the CytokineExplore online tool.   Results. The resulting erythroblasts are divided into positive and negative populations according to the CD45 marker, carry markers of erythroid cells CD71, CD235a and do not express linear markers of lymphoid cells. In type 1 MCR blockage, polychromatophilic erythroblasts predominate, in type 2 MCR blockage, basophilic erythroblasts predominate, and in type 5 MCR blockage, orthochromatophilic erythroblasts accumulate. According to the production of cytokines, it was shown that when using any of the blocking antibodies, we obtain cells that differ qualitatively and quantitatively in a number of mediators from the initial population of induced erythroblasts.   Conclusion. Thus, we have shown qualitative and quantitative differences in the production of mediators by erythroblasts depending on the stage of differentiation, which can lead to different regulatory effects

Destination development in Western Siberia:Tourism governance and evolutionary economic geography

Tourism development has often been identified as a tool for balancing negative effects of economic restructuring, especially in peripheral regions. Tourism-based activities often utilize the availability of abundant nature, but although most English language studies of destination development are presented from western contexts, examples from post-Soviet Russia are rare. Western Siberia is a periphery with access to natural resources and heavy industrialization but remotely located from domestic (Russian) and international markets, where tourism is often considered a saviour, especially for the regional economies. Stakeholders in this Russian resource periphery face challenges in managing governance and cooperation in destinations development due to frequent institutional, economic and social changes. Using evolutionary economic geography and based on primary sources and interview data, tourism development and stakeholder relations are assessed in three Western Siberia regions: Tomsk, Kemerovo and Altai Krai. Findings show that for tourism to make a significant contribution, it must be more central to the economic development agenda in all three regions. However, it is currently only achieving a permanent high-profile in one of them, being crowded out by other (mostly primary) industries in the other two. Although the specific tourism governance set-up varies between the three regions, it is clear that public tourism governance still sits somewhat uneasily between state control and the market economy. Tourism receives substantial public subsidies, especially in large-scale investment projects, which depend on federal support within a governance system where decentralization seems to be somewhat limited and unstable. As a result, the tourism path development in the Siberian periphery is highly dependent on state intervention and success in other sectors.</p