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Evolution of pension protection of the population of Russia

Valieva E.N. Samara State University of Economics, Samara, Russian Federation ( vаlievaen2012@уапdех.ru )

Journal: Finance and credit, #44, 2015

Subject The article considers the evolution of formation and use of financial resources for pension protection in the Russian Federation.
     Objectives The aims of the research are to find a compromise between balanced budget expenditures for pension provision and performance of social obligations of the State to mitigate the risk of loss of labor capacity due to old age, and to approximate the pension size in the Russian Federation to the level recommended by the International Labor Organization (ILO) and the Organization for Economic Cooperation and Development (OECD).
     Results I calculated and justified quantitative and qualitative indicators of pension protection in Russia; considered changes in the size of pension payments to pensioners at the final stage of the Soviet Union and throughout the modern history of the Russian Federation. Furthermore, I analyzed the ILO and OECD recommendations on the level of pensions in developed countries, the main results of pension reforms implemented in the Russian Federation, advantages and disadvantages of pension financing from the State budget or from the State non-budgetary fund.
     Conclusions Based on the findings, I conclude on the specifics of institutional reforms of the pension system, and the evolution of the level of retirees' material security in the Russian Federation. The study attempts to assess the impact of relevant transformations on the degree of compensation of disability risk due to old age.


Structural reforms of the housing and utility complex of Vladikavkaz

Valieva Z.R. North Caucasian Institute of Mining and Metallurgy (State Technological University) (NCIMM (STU), Vladikavkaz, Republic of North Ossetia–Alania, Russian Federation ( Zaraa-666@inbox.ru )

Dzhagaeva M.S. North Caucasian Institute of Mining and Metallurgy (State Technological University) (NCIMM (STU), Vladikavkaz, Republic of North Ossetia–Alania, Russian Federation ( codieum@rambler.ru )

Rubanovskaya S.G. North Caucasian Institute of Mining and Metallurgy (State Technological University) (NCIMM (STU), Vladikavkaz, Republic of North Ossetia–Alania, Russian Federation ( senpoli@rambler.ru )

Journal: Financial Analytics: Science and Experience, #11, 2017

Importance The article deals with the issues of structural changes and accumulated problems in the urban housing and communal economy.
Objectives The study aims to develop recommendations to improve the efficiency of the housing and communal sector of Vladikavkaz, using the city as a case study, and taking into account limited financial resources and maintaining the social focus of the sector.
Methods For the study, we used the logical, causal, and comparative methods of analysis.
Results The article defines a formula of total synergy effect determination from the integration of housing and communal services enterprises into a holding. As well, we have developed a housing and communal services conceptional structure of Vladikavkaz.
Conclusions and Relevance Integration by type of holding is the most effective tool for improving the efficiency of housing and communal services enterprises. An important positive aspect of such a holding is the possibility of applying forms of public-private partnership, which allows municipalities to directly or indirectly control the holding and participate in its activities.


Competition in banking services market: theory and practice

Valieva E.N. Samara State University of Economics, Samara, Russian Federation ( valievaen2012@yandex.ru )

Journal: Finance and credit, #40, 2014

The article states that stirring up the financial market of the country and building over the long term an international financial center in its territory is one of priority areas of the economic development strategy of the Russian Federation. The most developed sector of the Russian financial market at the present stage is the market of banking services, which could become the "locomotive" of the financial market. However, there exists conventional wisdom that business competition is the most important factor of business expansion and efficiency increase. Competition induces constructive actions in the market and offering consumers a wider range of products and services at more attractive prices and of the best quality. This, in its turn, promotes an increased production performance and redistribution of financial resources to the most competitive organizations. The author emphasizes that competition in the course of production and sale of goods and services is a fundamental element of the market mechanism of economy regulation. Competition in banking is one of the types of competition in the financial market. Banks compete for financial assets and customers with all participants of the financial market, including non-bank organizations. Creating conditions to develop competition in the market of banking services is one of key factors of effective realization of the common economic space principle and free movement of financial services. The author stresses that competition in banking is a new phenomenon in the Russian Federation. The competition-related issues have become popular only during the last two decades of one and a half centuries of Russian banking community development. The study addresses the specifics of competition in the market of banking services that are typical of our country, provides a definition of interbank competition, and presents a scorecard of interbank competition rating in the regional market on the case of the Samara region. The author has analyzed the State regulation of interbank relations as a factor influencing competition scale, and calculated the influence of the most significant parameters of the financial market on interbank competition to identify the key areas of State regulation in banking environment.


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