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

Role of Russia in peaceful settlement of the conflict of North and South Korea: event analysis

This study analyzes the conflict between North Korea and South Korea. The Russian Federation has played an important role in the peaceful settlement of this conflict, which has an impact on the formation of the appearance of Russia in the international arena. The theoretical basis of the study was the theory of images, communication and international conflicts. Using the eventanalysis method, an event-based picture of the conflict was built, comparative assessments were made, conflicting parties, indirect participants and intermediaries were identified. An analysis of the current situation is given, groups of interests and the role of Russia in the peaceful settlement of this conflict are identified.Este estudio analiza el conflicto entre Corea del Norte y Corea del Sur. La Federación de Rusia ha desempeñado un papel importante en la solución pacífica de este conflicto, que tiene un impacto en la formación de la aparición de Rusia en la arena internacional. La base teórica del estudio fue la teoría de las imágenes, la comunicación y los conflictos internacionales. Utilizando el método de análisis de eventos, se construyó una imagen del conflicto basada en eventos, se realizaron evaluaciones comparativas, se identificaron las partes en conflicto, los participantes indirectos y los intermediarios. Se presenta un análisis de la situación actual, se identifican los grupos de intereses y el papel de Rusia en la solución pacífica de este conflicto.Este estudo analisa o conflito entre a Coréia do Norte e a Coréia do Sul. A Federação Russa tem desempenhado um papel importante na solução pacífica deste conflito, que tem um impacto sobre a formação da aparição da Rússia na arena internacional. A base teórica do estudo foi a teoria das imagens, comunicação e conflitos internacionais. Usando o método de análise de eventos, uma imagem baseada em eventos do conflito foi construída, avaliações comparativas foram feitas, partes conflitantes, participantes indiretos e intermediários foram identificados. Uma análise da situação atual é dada, grupos de interesses e o papel da Rússia na solução pacífica deste conflito são identificados

Efficiency of carotine-chlorophyllic complexes use in a-hypovitaminosis of poultry

The principal purpose of this study was to investigate the possibility of using chloroprenol as a vitamin supplement in diets of broiler chickens for the prevention of A-vitamin deficiencies and improve the commercial quality of poultry products. In accordance with desired goal we have estimated the clinical-biochemical status of the broiler chickens under production-line conditions, defined the optimal dosages of chloroprenol for the broiler chicken, determined the effect of the drug on the morphological and biochemical parameters of blood, studied their effect on the natural resistance parameters of the body, accumulation of biological active substances in the liver, viability and productivit

Designing of education process of working profession «Welder» with using gaming technologies

В статье представлена разработка методики проведения уроков с использованием игровых технологий при подготовке по профессии cварщик, что способствует активизации учебно-познавательной деятельности обучаемых, стремления к самообразованию и самоподготовкеThe article presents the development of the methodology of conducting lessons with the use of gaming technology in training in the profession of the Welder, thereby enhancing learning and cognitive activity of trainees, commitment to self-education and self-trainin

The results of orthodontic treatment using computer design of structures

The article deals with the use of mathematical background and computer modeling in the process of treatment dental apparatus engineering. Drawing on mathematical calculations, veracity of which is validated by the results of experimental research, there in the clinic it has been used treatment appliance made of elastic polymer with set-up parameter

The arions generation by magnetodipole waves of pulsars and magnetars in a constant magnetic field

The influence of the gravitational fields of pulsars and magnetars on the arion emission during the propagation of magnetodipole waves in a constant magnetic field has been evaluated. The solution of the equation was obtained and the flux of arions emitted by magnetodipole waves during their propagation in a constant magnetic field was found. It is shown that the amplitude of the born arion wave at a distance from the source of magnetodipole radiation of a pulsar or magnetar $(r\to\infty)$ in the considered case tends to a constant value. The intensity of the arion emission in the solid angle element and the amount of arion energy $\overline{I}$, emitted in all directions per unit time grow quadratically with increasing distance, traveled by the magnetodipole radiation of a pulsar or magnetar in a constant magnetic field. Such growth of the energy of the born arion wave is due to the fact that in the considered problem constant magnetic field is defined in the whole space. In reality, the galactic and intergalactic magnetic fields can be represented in this form only in regions of space of finite dimensions, outside of which the force lines of their induction vector are curved. Therefore, it is possible to apply these results only in a region of space for which $r\leq L_{coh}<\infty$, where $L_{coh}$ is the coherence length, the distance at which the force lines of the induction vector can be considered as straight lines. An estimate for the value of the coupling constant of photons with arions is obtained

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

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

Food and water-drinking regime in endurance sports

Modern nutrition for athletes is based on the principles of rational nutrition and the peculiarities of muscle activity during the training process. This work demonstrates the review of the processes occurring during participation in endurance sports and its features. According to the modern classification used by domestic and foreign authors, the article provides a list of endurance types of sport with its characteristics. Endurance sports have repeatable phases of movements and hemodynamic component, which is characterized by the activity of the muscles of the cardiovascular and respiratory systems. Energy supply of muscle activity of endurance sports is mainly provided by aerobic glycolysis and glycogenolysis, as well as beta-oxidation of fats. There is a report of the influence of nutrients on the recovery of working capacity of athletes in endurance sports. The issues of food distribution during the day are affected, depending on the training and competitive process. Specific features of the formation of diets and drinking regime for highly skilled athletes involved in endurance sports are formulated