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Methodological approaches to the study of local consumer markets of major cities (the industrial regions' cities of the Urals)

Usova N.V. Russian Presidential Academy of National Economy and Public Administration, Yekaterinburg, Russian Federation ( nata-ekb-777@yandex.ru )

Journal: Regional Economics: Theory and Practice, #31, 2014

The article offers a methodology for studies of the local consumer markets of major cities, taking into account their situation in the regional systems of settling, the specifics of external and internal environment of consumer markets. The author applied testing methods in relation to the towns of the Perm Krai, Sverdlovsk and Chelyabinsk regions, occupying the first, second and third places for the population in the region. According to the results of the analysis, the author provides recommendations on the best practices to improve the management of local consumer markets.


The effectiveness of banking services in the mortgage lending market

Usova N.V. Ural State University of Economics, Yekaterinburg, Russian Federation ( nata-ekb-777@yandex.ru )

Loginov M.P. Ural State University of Economics, Yekaterinburg, Russian Federation ( port-all@mail.ru )

Strel'nikov E.V. Ural State University of Economics, Yekaterinburg, Russian Federation ( strelnikoff76@mail.ru )

Journal: Finance and Credit, #11, 2018

Subject This article discusses the expansion of the set of marketing tools used by commercial banks to attract and retain customers. In particular, the article considers such a tool as the World Wide Web space.
Objectives The article aims to develop certain recommendations to improve the economic efficiency of commercial banks in the mortgage market with the help of marketing tools.
Methods For the study, we used the methods of analysis, comparison, and systematization.
Results The article defines factors and marketing tools that allow the bank to succeed in mortgage lending. In addition, the article presents developed recommendations for increasing the demand for mortgage lending services.
Conclusions The article concludes that in order to operate both in the existing markets and enter new ones, banking institutions are not to improve the existing product line only, but also they are to offer new banking products taking into account their opportunities and competitive advantages, as well as market needs. To achieve this, banking organizations need to apply not just individual marketing tools, but also use the relation marketing, in general, which will retain the available customers, and also attract new ones for the long run.


Improving organizational and economic mechanism of credit cooperation in the dairy sub-complex of agribusiness

Usova A.A. Ural Social and Economic Institute (branch) of Academy of Labor and Social Relations, Chelyabinsk, Russian Federation ( usova74@mail.ru )

Journal: Finance and Credit, #48, 2014

The article states that at present, the relevance of financial support for development of agricultural enterprises specializing in dairy products has sharply increased. Nowadays, dairy farming experiences considerable difficulties due to the lack of funds. This interferes with proper functioning of the entire dairy products industry of Russia. The author emphasizes that such enterprises get certain help from the State, however, as practice shows, it is obviously not enough to satisfy all their needs. Agricultural credit cooperatives do not cope with financing of agricultural enterprise development either. Therefore, it is necessary to integrate public-private partnership in the sphere of credit cooperation in agribusiness. The author analyzes the condition of modern mechanism of credit cooperation in agrarian and industrial complex, focuses on its shortcomings which are negatively influencing the development of dairy farming of Russia. The conclusion is that the problems impeding effective functioning of the system of farm lending predetermine the need for reorganization of organizational and economic mechanism of credit cooperation in agribusiness with regard to small agricultural producers financing. The author offers a technique enabling to comprehensively estimate the parameters of strategic development of organizational and economic mechanism of dairy farm lending, to determine possible scales of increasing the volumes of such lending. In the long run, it will allow increasing the level of satisfaction of dairy producers' financial needs, which is a necessary condition of transition to qualitatively new level of strategic development of the entire dairy sub-complex of agribusiness. To test the models of assessing parameters of organizational and economic mechanism of credit cooperation in the dairy sub-complex of Russian agrarian and industrial complex, the author made calculations on the case of a project scenario.


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