Moral risk is presented as actions of economic agents
to maximize their own utility at the expense of others
due to inequality of information and differences of
interests, manifested in changing the behavior of one
of the parties to the contract. The moral risks in the
banking activities are divided into two groups: the
moral risks within the Bank; the moral risks posed by
the external environment of the Bank. It is established
that in the case of inappropriate opportunistic behavior
of personnel who directly or indirectly violates the
terms of the contract, the Bank often does not have
monitoring capabilities. A list of typical methods of
dealing with moral risk arising from the activities of
the Bank was created. The article substantiates the role
of Bureau of credit history (BCH) as the organization
that performs the collection, processing, storage and
dissemination of information on credit histories of individual
citizens, such as information about the balance
of debt or credit lines, events of default on the
loan, history of payments, bankruptcy. A group was
proposed for specific methods of dealing with moral
risks - measures to neutralize the moral hazard related
to the activities of the staff. One of the most problematic
aspects associated with the moral risk of the Bank
is their assessment. In fact, in modern conditions the
banks are unable to assess the level of risk and threat
resulting from the actions of moral risk and, respectively,
the consequences of them
The article presents an analysis of the results of the
study of the ability to put aims in modern youth.
Putting aims is considered by the author as a design
competence that has got great importance, both in
social design and in planning the prospects of one's
own life. We have identified the existence of problems
in the design of their own life prospects for young
people. At the pilot study level, it can be confidently
asserted that goal-setting as a design competence is not
formed at the proper level among young people and
therefore it requires special attention on the part of
educational authorities and youth policy
In recent years, many pigs of specialized breeds,
characterized by increased meat qualities, have been
brought to Russia from Canada and a number of
European countries. The article presents the results of
the assessment of slaughter and meat qualities of pigs
of different genotypes. Danish pig meat was used as
research objects: purebred landrace (CHL), benthic
hybrid Landrasx yorkshire (LxY), three-breed hybrid
landrace hyorkshire x dyurok (LxXxD), removed from
control fattening, and developed prototypes of delicacy
products. The commission evaluation of meat and
broth showed that the boiled meat from the three breed
animals received the highest score, and the quality of
the broth significantly exceeded the samples of
purebred landrace and two-breed animals. As a result
of the tasting evaluation of the Voronezh ham, it was
established that the samples of meat from threebreeded
pigs, in comparison with the samples from
purebred meat, show the most pronounced flavor,
aroma and soft consistency
Nowadays, domestic pig production is dynamically
changing in technological and selection terms and is
one of the most effective sectors. In the current
conditions of pig breeding in intensive technology, the
requirements to the level and direction of pig
production, the rational use of genetic resources are
increasing. The development of effective methods for
the production of pork on the basis of the wide use of
highly productive breeds and types of both imported
and domestic selection allows to obtain the maximum
possible productivity of animals, to produce pork of
good quality, to reduce the cost of production and to
fully realize the genetic potential of animals. Genetic
and selection techniques have significantly changed
the physiological, morphological and productive
capabilities of modern animals. In connection with
this, the actual for the pig industry is the identification
of opportunities to increase the duration of the use of
pigs, and the inclusion of new indicators in breeding
work when creating specialized maternal lines. The
research was carried out on the electronic database
(KP ACC, OOO "Selikom", Ryazan), the breeding
center "Lozovoye" ZAO "Plemzavod-Yubileyniy" of
the Tyumen region. The center is engaged in
thoroughbred breeding and improvement of four pigs:
large white, landrace, pietren, duroc
In the article we present the results of pilot studies of petrol and oil fractions; their main physical and chemical properties, density and DNP, a liquid phase, two-phase area, critical area and boundary curves are considered
The article deals with competition issues between
modern currencies for domination on international
financial markets. Historical background of world
currencies and the reasons for development and
becoming dominants nowadays are analyzed. Author’s
reasoning and data analysis of several currencies place
in the global exchange system are given. Process of
defining a currency as «reserve» is analyzed.
Economic essence of SDR and Wocu is concerned.
Dynamics of international savings in foreign currency
reserves and share of external loans in foreign
currency are analyzed in the article. Data of the survey
made by A&O Research about currency domination is
examined, competitiveness assessment of modern
currencies is summarized
Analysis of scientific literature has shown a promising
direction in energy saving and in increasing of
efficiency of power supplies remote from external
networks in Russia is the application of solar
photovoltaic power plants. The level of solar radiation
on the territory of Russia varies widely from 810
kWh/m2 per year in remote Northern areas to 1,400
kWh/m2 per year in southern areas. We have revealed
their main advantages and disadvantages of solar
photovoltaic power plants, as well as the purpose, basic
features, features selection and operation of inverters
and batteries. We have also given a generalized block
diagram of three types of solar photovoltaic power
plants: autonomous, standby, network. The peculiarities
of their work have been presented. To improve the
reliability of operation of solar power plants we need to
design them according to the modular principle.
Modular aggregation has to be applied for stand-alone
inverters, where the input and output filters, power
electronic circuit and system voltage regulation and
protection represent the functional module elements. It
is possible to increase significantly the reliability of
autonomous inverters and solar PV systems in the
complex, using one-phase and three-phase transformers
with rotating magnetic field in their design. The
advantages and the disadvantages, the peculiarities of
the solar PV plants discussed in the article will allow to
develop their structural and circuit designs with
improved maintenance characteristics in the future
The article focuses on the utilization of rice straw by chopping and splitting with a post-blade cylinder. The amount of rice production and rice straw in the Krasnodar region are specified in the article, as well as methods of utilization of non-grain part of rice harvest of rice, namely, burning in the field and use of rice straw as an organic fertilizer. The article describes a research on determination of the degree of rice straw humification under natural conditions at different parameters of its crushing and patching. According to the experimental results there was constructed a graph of the degree of rice straw humification by variants of the experiment. There was offered the projected constructive scheme of mobile trailer rice straw crusher from rolls in the article. The main results which were obtained to the present moment were shown in conclusions
We have illustrated multiple factor analysis of the
dynamic friction coefficient of the friction units in
tribosystem and tribounits under laboratory conditions.
As the tribosystem we had a model band-block brake
with regime parameters of the control handle tension
of the brake and brake work. By using the method of
the mathematical planning of the extreme experiments,
we have obtained functional dependence of the
dynamic friction coefficient of the variable parameters
in the form of a second-order polynomial, which
adequately describe the processes under study. As
tribounit at the micro- and nanoscale there was the
reference change of the dynamic friction coefficient of
the pair "Retinax FC-24A – Steel 35HNL" as a
function of surface temperature, the values of which
correspond to certain laws, based on the rise and fall of
the characteristics of the dynamic friction coefficient.
We have made the evaluation of the dynamic friction
coefficient on the principle of the superposition with
the multiple factor analysis of the following
parameters: the process of forced cooling and heating;
the processes of the polarization and depolarization in
the contact patch of the micropoints of friction pairs;
the type of the contacts of the micropoints depending
on the work function of the electrons and ions from
materials; the formation of primary and secondary
structures on the surfaces of frictional contact; the
destruction and restoration of the pellicles on surfaces,
etc. We have analyzed the results of the studies of
changes of the dynamic friction coefficient on the
macro-, micro- and nanoscale and we have found the
basic factors affecting its value
Features of musical culture in Russia during the Civil
War are considered in the article. The author analyzes
various musical genres, which have arisen during this
period, and emphasizes characteristics of musical song
creativity of that time. The involvement of song
creativity into realities of surrounding life was its
striking trait. It has been directly connected with
military-political opposition of 1917 developed in Russia
after October revolution. The author analyzes
similarities and distinctions, and also genre features in
song creativity of representatives of two militarypolitical
camps – the Reds (Bolsheviks and their
supporters) and the Whites (representatives of the antiBolshevist
movement). The author reveals their
characteristics and specifics of genre lyrics. The sources
of song creativity of the Civil War period were in thickly
national consciousness; and song creativity of those
years quite often had a wide national basis. At the same
time musical song creativity of representatives of two
military-political camps was crossed among themselves
as they belonged to one culture. Military-political
opponents quite often used the same songs, the same
genre features. Cultural communication between
representatives of different social groups and political
forces in the years of Civil War was not interrupted and
it was strong, despite all shocks