Bank factoring : Russian and international practice

A new stage of developing the Russian real sector of economy focused on innovation development and import substitution is associated with a severe shortage of financial resources. The financial crisis, sanctions of the EU countries and the USA stipulated the need to form internal financial resources and innovational financial instruments. One of the promising mechanisms to provide the expanded reproduction is factoring. The article considers peculiarities of factoring transactions made by Russian and foreign banks. The factoring in PJSC JSCB Metallinvestbank was researched. Recommendations on improving the factoring efficiency were formed.peer-reviewe

Assessment of availability of consumer loans in the regions of Russia

The article deals with the current situation on the consumer credit market and stresses the need to assess the availability of loans. It gives the analysis of the volume of provided loans to consumers in roubles and foreign currency in 2015 and 2016. The authors consider the dynamics of loans share with overdue payments in total, as well as the average weighted interest rates on consumer loans. The study is conducted to determine the availability of consumer loans in various regions. The article emphasizes characteristics of the basic problems in lending realm considering the present stage of development. The authors discuss the prospects of the consumer credit market in Russia, as well as recommendations on improving procedures of loans disbursement taking into account new credit instruments contributing to the development of consumer activity. The results of the research can be used by credit organizations to make decisions in crisis periods and within unstable circumstances of economic environment progress, as well as within the framework of making policy on the balanced social and economic development of the country.peer-reviewe

FERROELECTRIC NANOCOMPOSITES WITH GOVERNED INTERFACE ON BASE OF MAGNETIC POROUS GLASSES

Two-phase (nonporous) magnetic alkali borosilicate glasses have been produced by induction melting. Their macroscopic properties and crystal structure have been studied and it is shown that in the silica skeleton there are the agglomerates of Fe3O4. These agglomerates are formed by monodomain nanoparticles of magnetite and demonstrate the superparamagnetic properties. After special thermal treatment (liquation process) and chemical etching the nanoporous matrices with random dendrite pore structure and magnetic properties have been produced. The channels (porous space) were filled by ferroelectric materials KH2PO4 (KDP), KH2PO4+(NH4)H2PO4 (KDP-ADP or KADP), and NaNO2 and the effect of applied magnetic fields on phase transitions in these nanocomposite have been studied. It has also been established that a restricted geometry changed essentially the phase diagram of KADP.

Social priorities of internal banking assortment (products) policy

Motivations of social responsibility, social orientation and social priorities are described in the context of special quasi social bank status and other credit organizations, Russian historic traditions, and specific peculiarities of bank management. Subjects and objects of social priorities, their concurring and alternative interests, goals and tasks are defined and explained on the basis of the analysis of theoretical and methodological insights, research and ranking of statistic data. Subjective, objective (institutional) and process concentrations of social priorities in bank management are framed. Benchmarks of social priorities, their levels and nominations are marked out. This work emphasizes and describes with relevant explanations such areas of socially oriented activity of banks as provision of banking services to enterprises and organizations of social areas and those that are entirely or partially socially oriented, financial and/or organizational participation in proper socially motivated events, financial and/or organizational participation in social projects of third parties including specialized ones, creation and selling of banking socially oriented products. Certain weak points and inaccuracy in implementing social projects by Russian banks are revealed. The subject matter and structure of internal banking policy, factors and terms and conditions that have an impact on its parameters concretized to the peculiarities of the assortment (products) policy are regarded. The formulated areas of social priorities are regarded as an optimized complex. On its basis, social components of preferences, limitations and prohibitions of the internal banking assortment (products) banking policy are developed and recommended.peer-reviewe

Experience in the use of simultaneous operations in dermatology and cosmetology

Background. Simultaneous (combined, simultaneous) operations are operations in which up to five different surgical procedures are performed simultaneously during one surgical intervention. According to WHO statistics, about a third of all surgical patients need simultaneous operations. A feature of medical interventions in dermatovenereology and cosmetology is the unwillingness and unwillingness of the patient to experience tangible pain discomfort during the procedures. The arsenal of modern cosmetology is constantly replenished with technologies that not only provide convincing clinical effects, but are also capable of provoking a negative psycho-emotional state in a patient who undergoes certain painful manipulations. Aims. To reflect the experience of a private medical organization, which is one of the first in the country to actively introduce simultaneous surgery in dermatology for several years. Materials and methods. Clinical observation, examination results. Results. In 2022, 32 surgical interventions were performed simultaneously with a dermatovenereologist in this clinic. Also, the clinic regularly performs simultaneous operations in the following combinations: hysteroscopy (with or without curettage) + removal of benign melanocytic/non-melanocytic skin tumors; surgical treatment of hemorrhoids + removal of papillomas/nevi; surgical treatment of anal fissure + removal of papillomas/nevi; laser vaporization of the pilonidal sinus + removal of genital warts; laparoscopic cholecystectomy + removal of nevi. Conclusion. The use of simultaneous operations in dermatovenerological practice is economically justified and justified, taking into account the modern possibilities of anesthetic care, improving their technical and medical support. Simultaneous combined operations exclude psycho-emotional experiences of the forthcoming repeated surgical intervention in patients and allow the surgeon to conduct high-quality medical interventions in a comfortable environment

Electrophysiological and Behavioral Evidence for Hyper- and Hyposensitivity in Rare Genetic Syndromes Associated with Autism

Our study reviewed abnormalities in spontaneous, as well as event-related, brain activity in syndromes with a known genetic underpinning that are associated with autistic symptomatology. Based on behavioral and neurophysiological evidence, we tentatively subdivided the syndromes on primarily hyper-sensitive (Fragile X, Angelman) and hypo-sensitive (Phelan–McDermid, Rett, Tuberous Sclerosis, Neurofibromatosis 1), pointing to the way of segregation of heterogeneous idiopathic ASD, that includes both hyper-sensitive and hypo-sensitive individuals. This segmentation links abnormalities in different genes, such as FMR1, UBE3A, GABRB3, GABRA5, GABRG3, SHANK3, MECP2, TSC1, TSC2, and NF1, that are causative to the above-mentioned syndromes and associated with synaptic transmission and cell growth, as well as with translational and transcriptional regulation and with sensory sensitivity. Excitation/inhibition imbalance related to GABAergic signaling, and the interplay of tonic and phasic inhibition in different brain regions might underlie this relationship. However, more research is needed. As most genetic syndromes are very rare, future investigations in this field will benefit from multi-site collaboration with a common protocol for electrophysiological and event-related potential (EEG/ERP) research that should include an investigation into all modalities and stages of sensory processing, as well as potential biomarkers of GABAergic signaling (such as 40-Hz ASSR)

40-Hz Auditory Steady-State Response (ASSR) as a Biomarker of Genetic Defects in the <i>SHANK3</i> Gene: A Case Report of 15-Year-Old Girl with a Rare Partial <i>SHANK3</i> Duplication

SHANK3 encodes a scaffold protein involved in postsynaptic receptor density in glutamatergic synapses, including those in the parvalbumin (PV)+ inhibitory neurons—the key players in the generation of sensory gamma oscillations, such as 40-Hz auditory steady-state response (ASSR). However, 40-Hz ASSR was not studied in relation to SHANK3 functioning. Here, we present a 15-year-old girl (SH01) with previously unreported duplication of the first seven exons of the SHANK3 gene (22q13.33). SH01’s electroencephalogram (EEG) during 40-Hz click trains of 500 ms duration binaurally presented with inter-trial intervals of 500–800 ms were compared with those from typically developing children (n = 32). SH01 was diagnosed with mild mental retardation and learning disabilities (F70.88), dysgraphia, dyslexia, and smaller vocabulary than typically developing (TD) peers. Her clinical phenotype resembled the phenotype of previously described patients with 22q13.33 microduplications (≈30 reported so far). SH01 had mild autistic symptoms but below the threshold for ASD diagnosis and microcephaly. No seizures or MRI abnormalities were reported. While SH01 had relatively preserved auditory event-related potential (ERP) with slightly attenuated P1, her 40-Hz ASSR was totally absent significantly deviating from TD’s ASSR. The absence of 40-Hz ASSR in patients with microduplication, which affected the SHANK3 gene, indicates deficient temporal resolution of the auditory system, which might underlie language problems and represent a neurophysiological biomarker of SHANK3 abnormalities