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Risks regulation in available housing management

Mishchenko V.V. Doctor of Science (Economics), associate professor, State University of the Altai

Martens А.А. State University of the Altai

Journal: Regional Economics: Theory and Practice, #11, 2009

External and internal risks inherent to available housing management exert much influence on the activity of the subjects thereof. Thus the level of housing and communal services and safety of living are affected too. In its turn it determines the urgency of the risks regulation, the lines of which are substantiated, suggested and described in the article.


Insurance as risk management tools in multi-apartment fund management

Martens A.A. Altai State University, Barnaul, Russian Federation ( ann-martens@yandex.ru )

Journal: Financial Analytics: Science and Experience, #22, 2014

The article deals with the risk structure, which influence subjects of multi-apartment fund management. The author substantiates that insurance is the most effective method of their regulation and proposes an application of insurance product structure for more complete risk share. She makes conclusion about an expediency and validity of offered system, however its effective functioning will be possible only with strengthening of financial responsibility in an area under consideration.


The modern approach to the financing of capital repairs of apartment region fund

Martens A.A. Candidate of Economic Sciences, Department of Finance and Credit, Altai State University ( ann-martens@yandex.ru )

Lepyoshkina S.V. Candidate of Economic Sciences, Department of Finance and Credit, Altai State University ( svetlik@land.ru )

Journal: Regional Economics: Theory and Practice, #5, 2014

Due to the high level of wear and tear of an apartment fund the most pressing issue is funding its renovation. The authors consider this funding mechanism is implemented, disclose the order of its implementation in the region, and compare national and international experience. The paper concludes that in the Russian practice, not all elements of overhaul finance are implemented effectively and reflects the need for a model of housing management with the integration of public-private partnerships.


Economic expert analysis in insurance: Theoretical aspects

Martens A.A. Altai State University, Barnaul, Altai Krai, Russian Federation ( ann-martens@yandex.ru )

Derkach N.O. Altai State University, Barnaul, Altai Krai, Russian Federation ( n.o.derkach@gmail.com )

Journal: Financial Analytics: Science and Experience, #4, 2018

Subject The paper considers the cases of financial flow breaches between the insurance company and its agents as well as theoretical bases of conducting an economic expert analysis.
Objectives The paper aims to show the methodology of economic expertise in the sphere of insurance and consider the main stages of such examination.
Methods The work uses the methods of synthesis, induction, deduction, analogy, and formalization. It allows to display the basic principles of the economic examination of insurance relations.
Results The authors present approaches to organizing the economic expertise in the field of insurance and the basic algorithm for carrying out examinations.
Conclusions and Relevance Despite the complexity and laboriousness of economic expertise in the insurance sector, its wider distribution will allow both to identify and substantiate the subject of financial conflict between insurance contractors. It will help strengthen the economic security of financial market and ensure law and order in the financial sector. The results will be in demand by insurance organizations and their agents, auditing, consulting, accounting companies, forensic bureaus, State authorities which exercise control and supervisory functions.


The development of the system of payments for housing and utility services as a banking advancement trend

Martens A.A. Altai State University, Barnaul, Altai Krai, Russian Federation ( ann-martens@yandex.ru )

Journal: Financial Analytics: Science and Experience, #14, 2016

Importance Housing and utilities significantly absorb financial resources, with housing and utilities payments accounting for most of retail transactions. It becomes an important premise for banks to develop the system for payment of the services. This aspect intensifies under the current circumstances.
Objectives The research analyzes the arrangement of the system of payments for housing and utilities, billing technologies and determines banking advancement scenarios, considering the current changes in housing and utilities.
Methods Having conducted a comparative analysis, I presented the key strengths and weaknesses of the housing and utilities payment system. I also used the simple interest method to substantiate the return on the regional provider's involvement for payment processing.
Results I systematize and analyze approaches to payments for housing and utilities services, propose various areas to build payment infrastructure in commercial banks, and indicate options to increase funding and profitability of banking.
Conclusions and Relevance The housing and utilities payment system and its remote formats become feasible only if internal billing technologies are implemented. I also emphasize capabilities of this banking segment. The capabilities determine opportunities for higher funding of banks, their credit potential by involving regional service providers and opening special accounts to accumulate overhaul funds and promote other banking transactions (lending, etc.).


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