Економіка підприємства

У підручнику розглянуто сучасні актуальні процеси розвитку підприємств: правові засади власності, інтелектуальний капітал, мережеві структури, конкурентну політику, трансформацію та реструктуризацію підприємств; проаналізовано інструментарій, що забезпечує порівнянну вартісну оцінку витрат і результатів діяльності; приділено увагу питанням пошуку і реалізації найбільш ефективних напрямів розвитку підприємства в умовах невизначеності. Для викладачів і студентів економічних спеціальностей, для тих, хто вивчає економічні дисципліни на неекономічних спеціальностях, для фахівців і керівників підприємств.В учебнике рассмотрены современные актуальные процессы развития предприятий: правовые основы собственности, интеллектуальный капитал, сетевые структуры, конкурентную политику, трансформацию и реструктуризацию предприятий; проанализированы инструментарий, обеспечивающий сравнимую стоимостную оценку затрат и результатов деятельности; уделено внимание вопросам поиска и реализации наиболее эффективных направлений развития предприятия в условиях неопределенности. Для преподавателей и студентов экономических специальностей, для тех, кто изучает экономические дисциплины на неэкономических специальностях, для специалистов и руководителей предприятий.The textbook considers the modern current processes of enterprise development: legal principles of ownership, intellectual capital, network structures, competition policy, transformation and restructuring of enterprises; comparable cost-benefit analysis; the book focuses on the search and implementation of the most significant areas of enterprise development in conditions of uncertainty. For teachers and students of economic specialties, those who study economic disciplines in non-economic specialties, for professionals and business leaders

Problems of loan population in Russia

The article is devoted to the consideration of such a phenomenon as the debt load of the country’s population on the example of Russia. The term “debt” means the ratio between debt obligations and available income. Assessing the level of debt or, in other words, the debt burden of Russian citizens is relevant, because real disposable incomes have a rather long downward trend, and consumer unsecured lending is becoming more affordable, the amount of debt to Russians to creditors is increasing year by year, while the share of overdue liabilities, although not very large, still poses certain risks. This situation increases the level of debt to citizens, which poses serious challenges for the socio-economic development of the state, since excessive debt burden can lead to a crisis (as, for example, in the USA in 2008). Therefore, it is especially important to soberly assess the level of debt load and take appropriate measures in time to regulate it, in particular, to cool the consumer lending market as the most volatile segment of lending to individuals

Mortgage lending as a mechanism to stimulate investment demand in the context of digitalization

Currently, in difficult epidemiological conditions, there are significant changes in all spheres of human life. Also, the negative impact of the coronavirus epidemic (COVID-19) was not spared by such a significant area for humanity as a mortgage. Mortgage activity has undergone significant changes in the context of the pandemic, especially under the influence of negative factors. However, despite the difficult epidemiological conditions, the Government of the Russian Federation proposed supportive measures and provided assistance to citizens who found themselves in a difficult situation. The article analyzes the trend in the development of mortgage lending, determines the dynamics of the volume of housing mortgage lending provided by credit institutions to individuals, reveals the interdependence between the number of loans issued and the mortgage rate, examines the impact of overdue debt on mortgage loans on the efficiency of a credit institution. The article examines the activities of the leader in mortgage lending Sberbank. The authors proposed measures to improve the efficiency of mortgage lending development in the activities of Sberbank

Features and Benefits of Digital Technologies in Agricultural Enterprises

This article substantiates that innovation is objectively necessary to ensure sustainable development of agricultural enterprises and the agricultural sector. The study notes that the introduction of digital technologies such as the Internet of Things, cloud computing, big data, blockchain, artificial intelligence, robotics can be widely applied in the agricultural sector. It is noted that the agricultural has a number of specific features: a variety of biological objects that are affected; various and complex technological processes, distribution of controlled parameters over a large area; high risks of the external environment. In this regard, the use of technologies for working with large data arrays is especially important here. The smart Agriculture concept will allow monitoring the growth of crops, a decision-making system for irrigation and the choice of fertilizers. The main goals of introducing digital technologies into agricultural production are to increase labor productivity, increase the quantity and quality of products. The introduction of digital technologies will make it possible to manage the quality of agricultural products through the introduction of modern breeding and genetic developments, provide an individual approach to the maintenance and feeding of livestock and poultry. The use of digital technologies has a positive environmental effect and will reduce the harmful impact on the environment. Updating the technological base of agricultural production through the use of digital technologies will allow controlling costs and increasing the economic efficiency