4 research outputs found
ΠΠ½Π°Π»ΠΈΠ· ΡΠΎΡΡΠΎΡΠ½ΠΈΡ ΡΡΠ½ΠΊΠ° ΠΈΠΏΠΎΡΠ΅ΡΠ½ΠΎΠ³ΠΎ ΠΆΠΈΠ»ΠΈΡΠ½ΠΎΠ³ΠΎ ΠΊΡΠ΅Π΄ΠΈΡΠΎΠ²Π°Π½ΠΈΡ Π² Π£ΡΠ°Π»ΡΡΠΊΠΎΠΌ ΡΠ΅Π΄Π΅ΡΠ°Π»ΡΠ½ΠΎΠΌ ΠΎΠΊΡΡΠ³Π΅
Received December 7, 2019; accepted March 05, 2020.ΠΠ°ΡΠ° ΠΏΠΎΡΡΡΠΏΠ»Π΅Π½ΠΈΡ 7 Π΄Π΅ΠΊΠ°Π±ΡΡ 2019 Π³.; Π΄Π°ΡΠ° ΠΏΡΠΈΠ½ΡΡΠΈΡ ΠΊ ΠΏΠ΅ΡΠ°ΡΠΈ 5 ΠΌΠ°ΡΡΠ° 2020 Π³.The relevance of this study stems from the fact that it analyzes the current situation on the mortgage market in Russia: the influence of macro-economic factors causes a fall in collateral value, dramatic increase in mortgage default and poor performance of the Agency for Housing Mortgage Lending (AHML). The study is aimed at investigating the current state of residential mortgage lending on the regional level in Russia by focusing on the case of the Ural Federal District. The study considers the interests of all the participants of this market: individual borrowers, state authorities, financial and credit institutions engaged in mortgage lending. The study analyzes statistical data on the primary residential mortgage market in the Ural Federal District provided by the Central Bank of the Russian Federation, Federal State Statistics Service and the AHML. Modern approaches to mortgage system evaluation are compared in order to identify and systematize the key criteria and statistical indicators characterizing the current state of this form of lending relationships. The analysis also brings to light the negative trends in mortgage lending in the Ural Federal District. As a part of our further research, we are going to develop a procedure for evaluating the performance of a mortgage system.ΠΠΊΡΡΠ°Π»ΡΠ½ΠΎΡΡΡ ΡΡΠ°ΡΡΠΈ ΠΎΠ±ΡΡΠ»ΠΎΠ²Π»Π΅Π½Π° ΡΠ΅ΠΌ, ΡΡΠΎ ΠΌΠ°ΠΊΡΠΎΡΠΊΠΎΠ½ΠΎΠΌΠΈΡΠ΅ΡΠΊΠ°Ρ ΡΠΈΡΡΠ°ΡΠΈΡ ΠΏΠΎΡΠ»Π΅Π΄Π½ΠΈΡ
Π»Π΅Ρ ΠΎΠΊΠ°Π·Π°Π»Π° ΡΠ°ΠΌΠΎΠ΅ ΡΠ΅ΡΡΠ΅Π·Π½ΠΎΠ΅ Π²Π»ΠΈΡΠ½ΠΈΠ΅ Π½Π° Π±ΡΡΡΡΠΎΡΠ°Π·Π²ΠΈΠ²Π°ΡΡΡΡΡΡ ΡΠΈΡΡΠ΅ΠΌΡ ΠΈΠΏΠΎΡΠ΅ΡΠ½ΠΎΠ³ΠΎ ΠΊΡΠ΅Π΄ΠΈΡΠΎΠ²Π°Π½ΠΈΡ Π² Π ΠΎΡΡΠΈΠΉΡΠΊΠΎΠΉ Π€Π΅Π΄Π΅ΡΠ°ΡΠΈΠΈ, ΠΎΠ±Π½Π°ΠΆΠΈΠ² ΡΠ΅Π»ΡΠΉ ΠΊΠΎΠΌΠΏΠ»Π΅ΠΊΡ ΠΏΡΠΎΠ±Π»Π΅ΠΌ β ΠΏΠ°Π΄Π΅Π½ΠΈΠ΅ ΡΡΠΎΠΈΠΌΠΎΡΡΠΈ Π·Π°Π»ΠΎΠ³Π°, ΡΠ΅Π·ΠΊΠΈΠΉ ΡΠΎΡΡ ΠΏΡΠΎΡΡΠΎΡΠ΅Π½Π½ΠΎΠΉ Π·Π°Π΄ΠΎΠ»ΠΆΠ΅Π½Π½ΠΎΡΡΠΈ ΠΏΠΎ Π²ΡΠ΄Π°Π½Π½ΡΠΌ ΠΈΠΏΠΎΡΠ΅ΡΠ½ΡΠΌ ΠΊΡΠ΅Π΄ΠΈΡΠ°ΠΌ, Π½ΠΈΠ·ΠΊΠ°Ρ ΡΡΡΠ΅ΠΊΡΠΈΠ²Π½ΠΎΡΡΡ ΡΠ°Π±ΠΎΡΡ ΠΠ³Π΅Π½ΡΡΡΠ²Π° ΠΏΠΎ ΠΈΠΏΠΎΡΠ΅ΡΠ½ΠΎΠΌΡ ΠΈ ΠΆΠΈΠ»ΠΈΡΠ½ΠΎΠΌΡ ΠΊΡΠ΅Π΄ΠΈΡΠΎΠ²Π°Π½ΠΈΡ. Π¦Π΅Π»Ρ ΠΈΡΡΠ»Π΅Π΄ΠΎΠ²Π°Π½ΠΈΡ β ΠΏΡΠΎΠ°Π½Π°Π»ΠΈΠ·ΠΈΡΠΎΠ²Π°ΡΡ ΡΠΎΡΡΠΎΡΠ½ΠΈΠ΅ ΠΈΠΏΠΎΡΠ΅ΡΠ½ΠΎΠ³ΠΎ ΠΆΠΈΠ»ΠΈΡΠ½ΠΎΠ³ΠΎ ΠΊΡΠ΅Π΄ΠΈΡΠΎΠ²Π°Π½ΠΈΡ Π² ΡΠ΅Π³ΠΈΠΎΠ½Π°Π»ΡΠ½ΠΎΠΌ ΡΠ°Π·ΡΠ΅Π·Π΅ Π½Π° ΠΏΡΠΈΠΌΠ΅ΡΠ΅ Π£ΡΠ°Π»ΡΡΠΊΠΎΠ³ΠΎ ΡΠ΅Π΄Π΅ΡΠ°Π»ΡΠ½ΠΎΠ³ΠΎ ΠΎΠΊΡΡΠ³Π°, ΡΡΠΈΡΡΠ²Π°Ρ ΠΈΠ½ΡΠ΅ΡΠ΅Ρ Π²ΡΠ΅Ρ
ΡΡΠ°ΡΡΠ½ΠΈΠΊΠΎΠ²: Π½Π°ΡΠ΅Π»Π΅Π½ΠΈΡ, Π³ΠΎΡΡΠ΄Π°ΡΡΡΠ²Π° ΠΈ ΡΠΈΠ½Π°Π½ΡΠΎΠ²ΠΎ-ΠΊΡΠ΅Π΄ΠΈΡΠ½ΡΡ
ΠΈΠ½ΡΡΠΈΡΡΡΠΎΠ², ΠΈΠΌΠ΅ΡΡΠΈΡ
Π² ΡΠ°ΡΠΏΠΎΡΡΠΆΠ΅Π½ΠΈΠΈ Π²ΡΠ΅ΠΌΠ΅Π½Π½ΠΎ ΡΠ²ΠΎΠ±ΠΎΠ΄Π½ΡΠ΅ Π΄Π΅Π½Π΅ΠΆΠ½ΡΠ΅ ΡΡΠ΅Π΄ΡΡΠ²Π° ΠΈ ΠΏΡΠ΅Π΄ΠΎΡΡΠ°Π²Π»ΡΡΡΠΈΠ΅ ΠΈΡ
Π²ΠΎ Π²ΡΠ΅ΠΌΠ΅Π½Π½ΠΎΠ΅ ΠΏΠΎΠ»ΡΠ·ΠΎΠ²Π°Π½ΠΈΠ΅. ΠΡΡΠ»Π΅Π΄ΠΎΠ²Π°Π½ΠΈΠ΅ Π±Π°Π·ΠΈΡΡΠ΅ΡΡΡ Π½Π° Π°Π½Π°Π»ΠΈΡΠΈΡΠ΅ΡΠΊΠΎΠΌ ΠΎΠ±Π·ΠΎΡΠ΅ ΡΡΠ°ΡΠΈΡΡΠΈΡΠ΅ΡΠΊΠΎΠΉ ΠΈΠ½ΡΠΎΡΠΌΠ°ΡΠΈΠΈ, Ρ
Π°ΡΠ°ΠΊΡΠ΅ΡΠΈΠ·ΡΡΡΠ΅ΠΉ ΠΏΠ΅ΡΠ²ΠΈΡΠ½ΡΠΉ ΡΡΠ½ΠΎΠΊ ΠΈΠΏΠΎΡΠ΅ΡΠ½ΠΎΠ³ΠΎ ΠΆΠΈΠ»ΠΈΡΠ½ΠΎΠ³ΠΎ ΠΊΡΠ΅Π΄ΠΈΡΠΎΠ²Π°Π½ΠΈΡ Π² Π£ΡΠ°Π»ΡΡΠΊΠΎΠΌ ΡΠ΅Π΄Π΅ΡΠ°Π»ΡΠ½ΠΎΠΌ ΠΎΠΊΡΡΠ³Π΅. ΠΠ½ΡΠΎΡΠΌΠ°ΡΠΈΠΎΠ½Π½ΠΎ-ΡΠΌΠΏΠΈΡΠΈΡΠ΅ΡΠΊΡΡ Π±Π°Π·Ρ ΠΈΡΡΠ»Π΅Π΄ΠΎΠ²Π°Π½ΠΈΡ ΡΠΎΡΡΠ°Π²ΠΈΠ»ΠΈ ΡΡΠ°ΡΠΈΡΡΠΈΡΠ΅ΡΠΊΠΈΠ΅ ΠΌΠ°ΡΠ΅ΡΠΈΠ°Π»Ρ Π¦Π΅Π½ΡΡΠ°Π»ΡΠ½ΠΎΠ³ΠΎ Π±Π°Π½ΠΊΠ° Π ΠΎΡΡΠΈΠΉΡΠΊΠΎΠΉ Π€Π΅Π΄Π΅ΡΠ°ΡΠΈΠΈ, Π€Π΅Π΄Π΅ΡΠ°Π»ΡΠ½ΠΎΠΉ ΡΠ»ΡΠΆΠ±Ρ Π³ΠΎΡΡΠ΄Π°ΡΡΡΠ²Π΅Π½Π½ΠΎΠΉ ΡΡΠ°ΡΠΈΡΡΠΈΠΊΠΈ, ΠΎΡΠΈΡΠΈΠ°Π»ΡΠ½ΡΠ΅ ΠΎΡΡΠ΅ΡΠ½ΡΠ΅ Π΄Π°Π½Π½ΡΠ΅ ΠΠ³Π΅Π½ΡΡΡΠ²Π° ΠΏΠΎ ΠΈΠΏΠΎΡΠ΅ΡΠ½ΠΎΠΌΡ ΠΈ ΠΆΠΈΠ»ΠΈΡΠ½ΠΎΠΌΡ ΠΊΡΠ΅Π΄ΠΈΡΠΎΠ²Π°Π½ΠΈΡ. ΠΠΎ ΠΈΡΠΎΠ³Π°ΠΌ ΡΡΠ°Π²Π½ΠΈΡΠ΅Π»ΡΠ½ΠΎΠ³ΠΎ Π°Π½Π°Π»ΠΈΠ·Π° ΠΌΠ½ΠΎΠ³ΠΎΠΎΠ±ΡΠ°Π·ΠΈΡ ΠΏΠΎΠ΄Ρ
ΠΎΠ΄ΠΎΠ² ΠΊ ΠΎΡΠ΅Π½ΠΊΠ΅ ΡΡΡΠ΅ΠΊΡΠΈΠ²Π½ΠΎΡΡΠΈ ΡΡΠ½ΠΊΡΠΈΠΎΠ½ΠΈΡΠΎΠ²Π°Π½ΠΈΡ ΡΠΈΡΡΠ΅ΠΌΡ ΠΈΠΏΠΎΡΠ΅ΡΠ½ΠΎΠ³ΠΎ ΠΊΡΠ΅Π΄ΠΈΡΠΎΠ²Π°Π½ΠΈΡ ΠΎΠΏΡΠ΅Π΄Π΅Π»Π΅Π½Ρ ΠΈ ΡΠΈΡΡΠ΅ΠΌΠ°ΡΠΈΠ·ΠΈΡΠΎΠ²Π°Π½Ρ ΠΎΡΠ½ΠΎΠ²ΠΎΠΏΠΎΠ»Π°Π³Π°ΡΡΠΈΠ΅ ΠΊΡΠΈΡΠ΅ΡΠΈΠΈ ΠΈ ΡΡΠ°ΡΠΈΡΡΠΈΡΠ΅ΡΠΊΠΈΠ΅ ΠΏΠΎΠΊΠ°Π·Π°ΡΠ΅Π»ΠΈ, Ρ
Π°ΡΠ°ΠΊΡΠ΅ΡΠΈΠ·ΡΡΡΠΈΠ΅ ΠΊΠ°ΡΠ΅ΡΡΠ²ΠΎ Π΄Π°Π½Π½ΠΎΠΉ ΡΠΎΡΠΌΡ ΠΊΡΠ΅Π΄ΠΈΡΠ½ΡΡ
ΠΎΡΠ½ΠΎΡΠ΅Π½ΠΈΠΉ; Π²ΡΡΠ²Π»Π΅Π½Ρ Π½Π΅Π³Π°ΡΠΈΠ²Π½ΡΠ΅ ΡΠ΅Π½Π΄Π΅Π½ΡΠΈΠΈ, Ρ
Π°ΡΠ°ΠΊΡΠ΅ΡΠ½ΡΠ΅ Π΄Π»Ρ ΡΠΈΡΡΠ΅ΠΌΡ ΠΈΠΏΠΎΡΠ΅ΡΠ½ΠΎΠ³ΠΎ ΠΊΡΠ΅Π΄ΠΈΡΠΎΠ²Π°Π½ΠΈΡ Π£ΡΠ°Π»ΡΡΠΊΠΎΠ³ΠΎ ΡΠ΅Π΄Π΅ΡΠ°Π»ΡΠ½ΠΎΠ³ΠΎ ΠΎΠΊΡΡΠ³Π°. Π ΡΠ°ΠΌΠΊΠ°Ρ
Π΄Π°Π»ΡΠ½Π΅ΠΉΡΠ΅Π³ΠΎ ΠΈΡΡΠ»Π΅Π΄ΠΎΠ²Π°Π½ΠΈΡ Π±ΡΠ΄Π΅Ρ ΠΏΡΠ΅Π΄Π»ΠΎΠΆΠ΅Π½ Π°Π»Π³ΠΎΡΠΈΡΠΌ ΡΡΠ½ΠΊΡΠΈΠΎΠ½ΠΈΡΠΎΠ²Π°Π½ΠΈΡ ΡΠΈΡΡΠ΅ΠΌΡ ΠΈΠΏΠΎΡΠ΅ΡΠ½ΠΎΠ³ΠΎ ΠΊΡΠ΅Π΄ΠΈΡΠΎΠ²Π°Π½ΠΈΡ
Problems of preserving the cultural heritage of the indigenous peoples of the North in the conditions of digitalization
The most important way of existence and development of culture is its cultural heritage. In his life, a person can understand, master and assimilate a small part of the cultural heritage. After himself, a person leaves the accumulated experience, cultural and spiritual values created by him during his life. All this after him becomes available to descendants in the form of cultural heritage. The main thing for posterity is to preserve this heritage. Preservation of cultural heritage, its popularization and broadcasting are prerequisites for the development of any society. This article is devoted to the consideration of the problems of preserving the cultural heritage of the indigenous peoples of the North, Siberia and the Far East in the context of globalization in cyberspace. The authors identified and analyzed the problems faced by representatives of small ethnic groups in modern conditions. The application of information and telecommunication technologies as a way of preserving cultural heritage is considered. The analysis of the implementation of IT-technologies in culture is presented
Economic Aspect of the Influence of Digitalization on the Development of the Industrial Region (on the Materials of the Chelyabinsk Region)
The article presents an analysis of the impact of digitalization on the development of an industrial region using the example of the Chelyabinsk region. Based on the analysis, the key role of digitalization of the industrial sector is determined as the main factor in the intensification of economic growth of the basic component of the economy of an industrial region by increasing the efficiency of production management and the competitiveness of enterprises, ensuring sustainable economic development of the regional economy.Π ΡΡΠ°ΡΡΠ΅ ΠΏΡΠ΅Π΄ΡΡΠ°Π²Π»Π΅Π½ Π°Π½Π°Π»ΠΈΠ· Π²Π»ΠΈΡΠ½ΠΈΡ ΡΠΈΡΡΠΎΠ²ΠΈΠ·Π°ΡΠΈΠΈ Π½Π° ΡΠ°Π·Π²ΠΈΡΠΈΠ΅ ΠΏΡΠΎΠΌΡΡΠ»Π΅Π½Π½ΠΎΠ³ΠΎ ΡΠ΅Π³ΠΈΠΎΠ½Π° Π½Π° ΠΏΡΠΈΠΌΠ΅ΡΠ΅ Π§Π΅Π»ΡΠ±ΠΈΠ½ΡΠΊΠΎΠΉ ΠΎΠ±Π»Π°ΡΡΠΈ. ΠΠ° ΠΎΡΠ½ΠΎΠ²Π΅ ΠΏΡΠΎΠ²Π΅Π΄Π΅Π½Π½ΠΎΠ³ΠΎ Π°Π½Π°Π»ΠΈΠ·Π° ΠΎΠΏΡΠ΅Π΄Π΅Π»Π΅Π½Π° ΠΊΠ»ΡΡΠ΅Π²Π°Ρ ΡΠΎΠ»Ρ ΡΠΈΡΡΠΎΠ²ΠΈΠ·Π°ΡΠΈΠΈ ΠΏΡΠΎΠΌΡΡΠ»Π΅Π½Π½ΠΎΠ³ΠΎ ΡΠ΅ΠΊΡΠΎΡΠ° ΠΊΠ°ΠΊ ΠΎΡΠ½ΠΎΠ²Π½ΠΎΠ³ΠΎ ΡΠ°ΠΊΡΠΎΡΠ° ΠΈΠ½ΡΠ΅Π½ΡΠΈΡΠΈΠΊΠ°ΡΠΈΠΈ ΡΠΊΠΎΠ½ΠΎΠΌΠΈΡΠ΅ΡΠΊΠΎΠ³ΠΎ ΡΠΎΡΡΠ° Π±Π°Π·ΠΎΠ²ΠΎΠΉ ΡΠΎΡΡΠ°Π²Π»ΡΡΡΠ΅ΠΉ ΡΠΊΠΎΠ½ΠΎΠΌΠΈΠΊΠΈ ΠΏΡΠΎΠΌΡΡΠ»Π΅Π½Π½ΠΎΠ³ΠΎ ΡΠ΅Π³ΠΈΠΎΠ½Π° Π·Π° ΡΡΠ΅Ρ ΠΏΠΎΠ²ΡΡΠ΅Π½ΠΈΡ ΡΡΡΠ΅ΠΊΡΠΈΠ²Π½ΠΎΡΡΠΈ ΡΠΏΡΠ°Π²Π»Π΅Π½ΠΈΡ ΠΏΡΠΎΠΈΠ·Π²ΠΎΠ΄ΡΡΠ²ΠΎΠΌ ΠΈ ΠΊΠΎΠ½ΠΊΡΡΠ΅Π½ΡΠΎΡΠΏΠΎΡΠΎΠ±Π½ΠΎΡΡΠΈ ΠΏΡΠ΅Π΄ΠΏΡΠΈΡΡΠΈΠΉ, ΠΎΠ±Π΅ΡΠΏΠ΅ΡΠΈΠ²Π°ΡΡΠ΅ΠΉ ΡΡΡΠΎΠΉΡΠΈΠ²ΠΎΠ΅ ΡΠΊΠΎΠ½ΠΎΠΌΠΈΡΠ΅ΡΠΊΠΎΠ΅ ΡΠ°Π·Π²ΠΈΡΠΈΠ΅ ΡΠ΅Π³ΠΈΠΎΠ½Π°Π»ΡΠ½ΠΎΠΉ ΡΠΊΠΎΠ½ΠΎΠΌΠΈΠΊΠΈ