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Creating and strengthening positive motivation of a debtor as a way to increase the efficiency of debt collection and to strengthen economic security

Skoblikov P.A. Academy of Management of Ministry of Internal Affairs of Russian Federation, Moscow, Russian Federation ( skoblikov@list.ru )

Journal: Finance and Credit, #8, 2015

Importance Effective debt collection is an important condition of smooth functioning of any business entity and member of civil transactions. The relevance of this condition is growing during crisis developments in the economy. Accordingly, the object of the research is the relationship of debtors and creditors. The subject is a motivation of non-performing debtors.
     Objectives The study included two main objectives: to identify and systematize the basic positive motives of a debtor, consideration of which by creditors (debt collectors) could help to optimize the recovery of distressed debt; to model and describe a universal psychological mechanism for effective recovery of debts by banks and other lenders, which is based on the analysis and integration of motivational sphere of a non-performing debtor.
     Methods The empirical basis of the research were the materials of pre-investigation inspections, criminal and civil cases related to debtors' default on their obligations; interviews with employees of banks and other commercial organizations (from the units dealing with troubled debt, legal and economic security services) and law enforcement officials; data obtained from a third-party monitoring of relationships of debtors and creditors, and other sources. In addition, the study includes a third-party and participant observation, examination of documents, interviews with debtors, selection of focus-group participants and their interviewing (specialists working with debtors), mental simulation, mental experiment, real experiment, systems analysis, comparison, synthesis, and other scientific methods.
     Results The article provides a universal psychological mechanism of effective debt collection by banks and other lenders, which bases on the analysis and integration of motivational sphere of a non-performing debtor. I described and systematized typical positive motives of debtors, the role of negative motivation of debtors, illustrated the relationship of unidirectional and polar motives, and proposed recommendations on either building or strengthening positive motives.
     Conclusions and Relevance The recommendations enable to optimize management of accounts receivable of business entities, to improve the efficiency of efforts to recover distressed debt, as well as to strengthen economic security of the country.


The crisis in the light of the financial pyramids laws

Skoblikov E.A. Candidate of Economic Sciences, Head Teacher of the Economics and Industry Department? Penza State University

Journal: Finance and Credit, #22, 2009

The article provides a substantiation of the laws of financial pyramids as objective laws, which are in effect regardless of the people’s volition and consciousness. A financial system of any level functions effectively if the economic processes management is performed in accordance to these laws, and their violation is the cause of economic crises. The work formulates the laws themselves, shows their contents and effect mechanism, and the crisis overcoming recommendations are given. The practical calculation and the diagram of building a financial pyramid are provided based on the example of investing in residential construction.


System of laws and principles of currency circulation as a new money theory

Skoblikov E.A. Foundation for Financial Initiatives, Penza, Russian Federation ( eas-eik@mail.ru )

Journal: Finance and Credit, #33, 2017

Importance In this paper, I highlight a new monetary theory as a system formed by a set of laws and principles of currency circulation.
Objectives The purpose of this article is to move from consideration of individual laws and principles of currency circulation to their system in the formation of monetary policy.
Methods I define the subject of this work using abstract-logical methods and the laws of dialectics with the verification of their operations in practice.
Results One can not manage an economy without knowing how the laws of currency circulation operate. Only when its principles are based on these laws, the monetary policy will successfully overcome crisis phenomena.
Conclusions and Relevance The new monetary theory as a system of laws and principles of currency circulation opens a wide scope for the continuation of theoretical work in this direction and allows to form an effective monetary and credit policy.


The three laws of money circulation

Skoblikov E.A. Fund of Financial Initiatives, Penza, Russian Federation ( eas-eik@mail.ru )

Journal: Finance and Credit, #32, 2016

Subject The article describes the existing and new laws of money circulation and shows negative consequences of their violation.
Objectives The purpose of the paper is to analyze and demonstrate the effect of the three laws of money circulation, i.e. applicability, control over circulation, and monetization, as historically emerged laws that continue their effect through time.
Methods To provide a rationale for money circulation laws, I apply historical and abstract-logical methods. Testing the effect of the laws in practice draws on the systems approach. These methods and approach enabled to disclose and explain the variety of transformations of money circulation.
Results The obtained results are significant as far as theory is concerned: the study justified two new laws of monetary circulation and refined the mechanism of action and practical application of the law of money supply. This will enable to create the necessary scientific foundation for further theoretical and practical work in this area of economics.
Conclusions Disregarding the laws of monetary circulation leads to crises and shocks, and compliance with the laws allows pursuing an efficient monetary policy and building a completely different architecture of the monetary and banking system. The latter rests on centralization of all accounting and settlement operations exclusively within the treasury system, and specialization of private banks by bank savings and lending functions.


Money circulation laws. Have all the laws been discovered?

Skoblikov E.A. Foundation for Financial Initiatives, Penza, Russian Federation ( eas-eik@mail.ru )

Journal: Finance and Credit, #34, 2016

Importance It is impossible to develop an economy and successfully overcome crisis phenomena without knowing objective laws of money circulation. However, scholars have discovered the one law only, i.e. the law of money in circulation. Therefore it is very crucial for the entire economics to discover all laws of money circulation and the way those laws work in the current conditions.
Objectives The research shows that money circulation is also governed with other objective laws, rather than the law of money in circulation only.
Methods All aspects of money circulation laws are investigated with historical, abstract and logic methods. They are verified in practice through a systems approach. It opens and explains a variety of changes and transformations in money circulation.
Results I obtained theoretically significant results. Economy is subject to nine laws of money circulation, i.e. laws of applicability, governmental control priority, amount of money in circulation, non-exclusion, concentration, globalization, circulation stabilization, planned nature and early loan issue. The article demonstrates how those laws work and the way they should be enforced. This creates a necessary scientific platform for further theoretical and practical researches on this area.
Conclusions and Relevance If the laws have been discovered and the society relies on this knowledge, then it has an understanding of the way how we should ensure the economic advancement and prosperity, alleviate or prevent crisis phenomena and shocks at all.


Securing the economic growth in Russia driven by digitization of registration and payment operations

Skoblikov E.А. Fund for Financial Initiatives, Penza, Russian Federation ( eas-eik@mail.ru )

Journal: Finance and Credit, #11, 2018

Subject The article addresses the digitalization of registration and payment operations and the Russian economy growth.
Objectives The purpose of the study is to prove the possibility of the Russian economy growth based on digitalization of registration and payment operations through the use of treasury blockchain technology, which is suggested as a new paradigm for digital economy development.
Methods The study rests on critical analysis of relevant literature, general scientific methods of systems approach, analogies, project method, scientific skepticism and cognition methods.
Results The paper offers to transfer all operations related to title and property registration from the banking system and payment processors to the Treasury. The latter will be reorganized into a budget-and-treasury bank and perform all registration and settlement operations; to reform the banking system based on bank specialization by type of operation, namely, saving banks for deposit operations, commercial banks for short-term lending, investment banks for investment activities, leasing and mortgage banks for leasing activities and mortgage lending, respectively. The Bank of Russia, being the main financial regulator, will regulate and supervise these banks.
Conclusions Digitalization of registration and payment operations will become a source of reliable information and a powerful tool of investment and control over money circulation, employee turnover, disinflation, eradication of corruption, revenues generated by shadow schemes, illegal business activities and crimes committed for financial gain. Thus, the treasury blockchain as a new paradigm of digital economy will contribute to economic growth of the country.


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