МОДЕРНИЗАЦИЯ БИЗНЕС-МОДЕЛЕЙ ДЕЯТЕЛЬНОСТИ ОТДЕЛЬНЫХ ГРУПП РОССИЙСКИХ КОММЕРЧЕСКИХ БАНКОВ

The article analyzes the characteristics of the business activities of individual groups of commercial banks (state-owned, foreign-owned, large private, medium-sized and small regional, small). On this basis stand out model of the banking business activities: state monopoly, international arbitration, a player with a high risk appetite, pocket bank, retail bank. The characteristics of each model is proposed: ROE, the added value for the shareholders - SVA, optimizing cash flow, business diversification, country risk. Identified models which are, the priority for these groups of banks. It offered the directions of the modernization of this models to harmonize them with the objectives of the national economy.В статье анализируются особенности бизнес-деятельности отдельных групп коммерческих банков (с государственным участием, иностранным капиталом, крупных частных, средних и мелких региональных, малых). На основе этого выделяются модели банковской бизнес-деятельности: государственная монополия, международный арбитраж, игрок с высоким риск-аппетитом, карманный банк, розничный банк. Разработана система характеристик каждой модели: ROE, добавленная стоимость для акционеров - SVA, оптимизация денежного потока, диверсификация бизнеса, страновой риск. Определены модели, приоритетные для перечисленных групп банков. Предложены направления модернизации существующих моделей банковского бизнеса для их гармонизации с целями развития национальной экономики

The agential causes of business management students in the implementation of the full virtual teaching

Objective:- This study investigates the agential causes influencing undergraduate business management students in their handling of change. The objectives are: (1) To investigate emotional reactions experienced by students since the launch of full virtual teaching as a result of the COVID-19 outbreak. (2) To investigate the students’ concerns in their lived experiences. (3) To identify commonalities and differences in students’ experiences during the implementation of full virtual teaching induced by COVID-19 in the socio-cultural contexts of China, the UK, and Ukraine. Methods:- This research employed an embedded multiple-case design, following the logic of literal and theoretical replication. One-to-one interviews were conducted, involving a total of 61 business management students. All scripts were analyzed using framework analysis and summative content analysis. Results:- The study found that all sampled students have experienced a wide range of emotions as emerged from their reflexive accounts of their lived experiences associated with full virtual teaching as a result of the COVID-19 pandemic. A discernible trajectory of emotional changes was observed. The students’ primary concerns evolved as situations progressed, with the desire to return to campus being pronounced at the beginning of the change and intensifying over time. Additionally, the study identified differences in emotional reactions and considerations of personal development between Chinese students and their counterparts from other socio-cultural backgrounds. Conclusion:- Emotions, reflexivity, absence, and absenting are influential factors shaping student experiences