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Principle of economic selection and development of agrarian institutes

Rakhaev B.M. PhD in Economics, аssociate рrofessor of chair «State and Municipal Аdministration», Kabardino-Balkarian State Agricultural Academy ( rahaevbm@mail.ru )

Bakkuev E.S. PhD in Economics, associate professor, department « State and Municipal Administration», Kabardino-Balkarian State Agricultural Academy ( bakkuev@mail.ru )

Journal: Regional Economics: Theory and Practice, #44, 2011

In the article it is investigated imperatives of economic development. The formulation a principle of economic selection of agrarian institutes is offered. Its basic elements and designs are described. The occurrence and evolution of agrarian institutes submits to a principle of economic selection is proved. The communication of dynamics of development of agrarian sector of institute and status institutions of environment is revealed. The basic dynamic and structural features of behavior of agrarian institutes are shown.


Upgrading the financial model of corporate lending in the agri-industrial complex to replenish working funds

Rakhaev V.A. Samara State University of Economics (SSEU), Samara, Russian Federation ( raxaev.valerij@mail.ru )

Journal: Finance and Credit, #4, 2020

Subject. Lending transactions always imply terms of lending for the bank and the borrower. Modeling lending processes, users can evaluate terms of lending transactions, efficiency of lending projects and the borrower’s ability to repay a loan.
Objectives. I substantiate the approach to setting a financial model of the AIC lending so that entities could replenish their working funds.
Methods. The study is based on general research methods, such as a systems and logic analysis and synthesis, principles of induction and deduction, techniques of higher financial computations. In the analytical part, we apply the balance sheet method, financial ratios, feasibility studies. The data were analyzed and summarized through the correlation of resultant and partial indicators, index method, factors analysis and forecasting.
Results. I reviewed the existing lending methodology and methods that banks use for lending. The literature mainly focuses on the design, principles and distinctions of financial models for lending from perspectives of borrowers. In the proposed financial model, lending is viewed from perspectives of banks. The model describes terms of a lending transaction, computes banks’ earnings on interests under loan agreements, additional financial terms of loans. I suggest applying the technique for assessing the effective margin adjusted for predicted proceeds from the transaction and the loan balance. I outline a mechanism for using financial covenant to assure the borrower fulfill terms of the deal.
Conclusions and Relevance. Computations will be made more accurately if the production and financial operations of the borrower is considered in the predicted period and the way they influence terms of lending. There should be a correlation among the financial position, cash flows and demand for loans. Banks can use the model to assess terms of lending transactions and make lending decisions.


The phenomenon of synchronous dynamics of own revenue and gratuitous transfer paths in consolidated budget of a territory

Rakhaev Kh.M. Kabardino-Balkar State Agrarian University named after V.M. Kokov, Nalchik, Kabardino-Balkar Republic, Russian Federation ( gmukbgsha@mail.ru )

Sozaeva T.Kh. Kabardino-Balkar State Agrarian University named after V.M. Kokov, Nalchik, Kabardino-Balkar Republic, Russian Federation ( sozaytanzilya@yandex.ru )

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

The article researches the phenomenon related to growth paths. The authors point out that the dynamics of revenues of the consolidated budget of territories includes the laminarization, which is manifested in the formation of a set of paths. Moreover, two of the set of paths, i.e. gratuitous transfers and own revenues of a territory are interweaving and then move precisely linked, providing a mutual influence on each other. Obviously, the behavior of the two paths deserves a special investigation. The paper discloses the reasons of the paths' coherence and describes their behavior. The essence of this phenomenon consists in the fact that if the paths ever converged, in perspective, each of them will have information about the other one. Thus, one path will repeat the other to any extent, and at some interval of the path it will certainly repeat itself. The article provides an empirical description, logical and phenomenological explanation of the phenomenon of individual trajectories' cohesiveness. The authors point out that in regional economies of federal States the processes of assistance from the federal center to regions became rather widespread. They vary depending not only on the federal relations development, but also on the availability of resources in the federal center. In the context of liberalization of federal relations, the federal government has a natural desire to grant more freedom and autonomy to regions. Together with some authorities the center also delegates a part of taxes and charges to regions. As a result, the revenue base structure of regional budgets changes: the share of their own revenues increases and the share of gratuitous transfers decreases. The authors point out that despite the decrease in the share of gratuitous transfers the dynamics of the paths of regional budget items continues to be synchronous with the gratuitous transfers. It means that the fluctuations in the paths of gratuitous transfers are able to "destroy" the general trend of the regional economy development. It is necessary to take into consideration the effect of the linked path not only during the analysis of the budget process of the region, but also in modeling the regional economy growth. The authors explain the phenomenon as follows: there are many cause-and-effect relationships between the elements, which form the two paths of the regional budget.


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