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Social and economic welfare as a guarantee of SME progress: Evidence from the Volga Federal District

Yashina N.I. National Research Lobachevsky State University of Nizhny Novgorod, Nizhny Novgorod, Russian Federation ( yashina@iee.unn.ru )

Ginzburg M.Yu. National Research Lobachevsky State University of Nizhny Novgorod, Nizhny Novgorod, Russian Federation ( ginzburg@iee.unn.ru )

Sukhova E.A. National Research Lobachevsky State University of Nizhny Novgorod, Nizhny Novgorod, Russian Federation ( lena-sukhovaa@yandex.ru )

Kudryavtseva M.O. National Research Lobachevsky State University of Nizhny Novgorod, Nizhny Novgorod, Russian Federation ( kudryavtseva.marie@gmail.com )

Journal: Regional Economics: Theory and Practice, #7, 2016

Importance The article deals with the problem of development of small and medium-sized businesses in the constituent entities of the Russian Federation using a case study of the Volga Federal District.
Objectives The aim of this study is to identify the relationship between the level of socio-economic development of the Volga Federal District and level of development of small and medium-sized businesses in the region.
Methods We used a systems approach as a methodological basis of the study to analyze the system of socio-economic indicators of the actors of the region and the system of small and medium-sized businesses, as well as their interaction and relationships. Socio-economic indicators of the Volga Federal District and statistical data on the development of small and medium-sized businesses are the study source information. To assess the relationships of these two indicators, we derived integral indexes, which were compared by using a correlation analysis.
Results We rated the entities of the Volga Federal District, by integral indexes of socio-economic indicators and development level of small and medium-sized businesses in each entity, for the studied periods (2010–2013). We found out that there is a close relationship between the level of development of small and medium-sized businesses and socio-economic indicators of the region.
Conclusions and Relevance We conclude on the necessity to improve the well-being of the population and create a favorable economic climate in the region in order to increase the pace of development of small and medium-sized businesses. The results of the research can be used to develop measures to improve the level of development of small and medium-sized businesses within the regions and the country as a whole, because this particular segment could become one of the key factors in the growth of the economy of the Russian Federation.


Banking services market: From the present to the future

Kudryavtseva Yu.V. Tambov State Technical University, Tambov, Russian Federation ( Deutschenbebi@icloud.com )

Journal: Financial Analytics: Science and Experience, #4, 2017

Importance The article overviews the development of financial technologies in banking.
Objectives The research identifies how IT induce drastic changes in the nature and process of banking, and examines global upsurge of innovative digital services for customers.
Methods The research draws upon methods for analyzing scientific and information database, synthesizing the results into theoretical conclusions and practical recommendations. The methodological and theoretical framework comprises scholarly proceedings of national and foreign scientists majoring in the theory and practice of provision of economic and financial resources.
Results I found innovative technologies that became very common in the financial sector and prospects of the future banking development.
Conclusions and Relevance The banking services market is seeing the technological revolution that brings IT, rapidity, affordability and security into the forefront. Banks have to be open to new trends, responsive to all changes in financial technologies, flexible and ever progressing.


Innovative financial technologies and operational risk in remote banking

Kudryavtseva Yu.V. Tambov State Technical University, Tambov, Russian Federation ( Deutschenbebi@icloud.com )

Journal: Financial Analytics: Science and Experience, #6, 2017

Importance The article analyzes the advantage of development of remote banking with the use of IT-technologies, the revealed cyber crime, the way of theft prevention and trend in further development of innovative financial technologies and presents ALTELL NEO software.
Objectives The research aims at analyzing the losses of credit organizations on cyber crimes in Russia and all over the world. I show the reasons of swindler development, financial forecast for the next few years as well as new ways of struggle against cyber crime.
Methods I applied methods of analysis and synthesis of scientific and information base. Works of Russian and foreign scientists and experts in the field of theory and practice of economic and financial support form the methodological and theoretical basis of the study.
Results The paper reveals a trend in the bank services market: banks and credit organizations' counteraction to an increasing threat of cyber crime.
Conclusions and Relevance Disclosure and prevention of cyber crimes require growing up efforts. The Bank of Russia in collaboration with law enforcement and credit organizations carries out a range of programs of financial and informational security of the national payment service, commercial banks and citizens.


Banks are moving to Internet banking

Kulikov N.I. Tambov State Technical University, Tambov, Russian Federation ( kulikov68@inbox.ru )

Kudryavtseva Yu.V. Tambov State Technical University, Tambov, Russian Federation ( deutschenbebi@icloud.com )

Journal: Finance and Credit, #29, 2016

Importance The article discusses causes and consequences of a significant reduction in the number of branches of the banking network, which during two recent years has decreased by 15%.
Objectives The main purpose of the study is to describe the current state and development prospects for digital services in the banking sphere.
Methods We applied methods of scientific and information base analysis, synthesis of obtained data into theoretical conclusions and practical recommendations. Scientific works of domestic and foreign scholars on the theory and practice of economic and financial security form the methodological and theoretical basis of the research.
Results The introduction of Internet banking serves as the most significant tool to ensure stability of banking operations, increase their efficiency and competitiveness. It is unprofitable for banks to maintain a large branch network and they are cutting down the number of branches not only in Russia but also in the USA, Europe and Asia.
Conclusions and Relevance The use of Internet banking leads to reduction in operating costs of commercial banks and the development of banking services can be considered as the main reason for cutting down the number of branches.


Online banking in Russia today: evaluation, prospects and opportunities

Kudryavtseva Yu.V. Tambov State Technical University, Tambov, Russian Federation ( Deutschenbebi@icloud.com )

Journal: Financial Analytics: Science and Experience, #47, 2016

Importance The article overviews key actors of the online banking market for mass payments. I evaluate how online banking evolves in Russia as it allows for streaming customers from bank offices to digital banking service.
Objectives The research unfolds the current state and prospects of online banking in Russia and worldwide. I analyze the current state of online banking in Russia, issues impeding a considerable growth in users, evaluate prospects of wireless payments within the coming five years in Russia and worldwide, and emergence of alternative actors that would be alternative to banks and able to win a significant part of the Russian market of financial technologies.
Methods I used methods of analysis of scientific and information framework, synthesis of the findings into theoretical conclusions and practical recommendations. The methodological and theoretical underpinning comprises proceedings of national and foreign scholars majoring in the theory and practice of ensuring economic and financial background and resources.
Conclusions and Relevance Online banking is the most critical tool to ensure stable operations of banks, their competitiveness and increase the efficiency of financial business. Digital services gain momentum in the Russian banking market. Banks will be able to offer new services via online banking facilities, thus developing the banking system of Russia. National credit institutions and banks worldwide may lose a considerable part of the mass payments market within the coming years. E-money, mobile operators and payment terminals may become viable competitors.


Restrictive financial and monetary policy of the State and the problems of GDP growth in Russia

Kulikov N.I. Tambov State Technical University, Tambov, Russian Federation ( Kulikov68@inbox.ru )

Kudryavtseva Yu.V. Tambov State Technical University, Tambov, Russian Federation ( veber.veber666@yandex.ru )

Journal: Finance and Credit, #7, 2018

Subject The article assesses the rigid financial and monetary policy that the government and the Central Bank of the Russian Federation have pursued in Russia for the past 25 years.
Objectives We performed an in-depth analysis of the financial and monetary policy implemented in Russia over the past 25 years to show how the State, the business and the population benefited from it, and why the GDP growth rate in Russia lags behind the world average.
Methods The study draws on methods of analysis of scientific and information base, synthesis of findings to make theoretical conclusions and practical recommendations. Academic papers on the theory and practice of economic and financial security by domestic and foreign scientists create the methodological and theoretical framework of the study.
Results We propose measures to reform the financial and monetary policy of the government and the Central Bank and change the structure of the Russian economy. The paper considers an alternative economic and financial policy of the State, which will enable about 6–7 percent of GDP growth annually over the next 2–3 years.
Conclusions Low household incomes, high lending rates have become the main obstacle for economic growth. It is necessary to ensure the increase in real disposable incomes of the population, reduce inequality and improve living standards. Priority economic sectors should get money at low loan rates and for longer period. It is important to control the targeted expenditure of these funds.


Ensuring national security on the basis of strategic partnership of educational institutions and employers

Seliverstova A.V. Chelyabinsk State University, Chelyabinsk, Russian Federation ( buh208@csu.ru )

Kudryavtseva I.Yu. Chelyabinsk State University, Chelyabinsk, Russian Federation ( i.y.kudryavceva@mail.ru )

Tkach E.S. Chelyabinsk State University, Chelyabinsk, Russian Federation ( elena-tkach@yandex.ru )

Journal: National Interests: Priorities and Security, #45, 2014

Importance In the conditions of growing geopolitical intensity, ensuring the national security becomes the most important problem of long-term development of the Russian Federation. One of directions of ensuring the national security is sustainable development of education, active participation of employers in educational process on the basis of strategic partnership.
     Objectives The objective of the research is to define the essence of strategic partnership of an educational institution and employers on the basis of network interactions and its role in ensuring the national security. To solve the problems arising during a strategic partnership project implementation we set the following tasks: to specify the main idea of the "strategic partnership" concept; to study the risks arising during this project implementation; to consider mechanisms of the risk minimization; to define the expected results of the project.
     Methods Using a comparative analysis, we considered the views of various authors on the essence of the "strategic partnership" concept presented in modern publications. On the basis of available practical experience, we studied the main content of the "strategic partnership" project, possible risks, mechanisms of their minimization, and identified the expected results.
     Results We have presented a definition of the "strategic partnership" concept, developed the main areas of strategic partnership project implementation, identified and classified risks arising in the course of project realization, considered the mechanisms of risk mitigation, and identified the expected results of implementing the forms of network interaction of educational institutions and employers based on strategic partnership.
     Conclusions and Relevance The offered definition of the "strategic partnership" concept will enable to get a better idea of the form of network interactions of employers and higher educational institutions for the purpose of joint training of highly professional experts. The requirements of the society and the State determine the competence level of the experts. This contributes to implementation of one of the main objectives, i.e. ensuring national security of the Russian Federation. The offered mechanisms of risk mitigation can serve as tools for institutions of higher education during their implementation of strategic partnership projects.


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