Name
Vasilieva Nadezhda Konstantinovna
Scholastic degree
•
Academic rank
—
Honorary rank
—
Organization, job position
Kuban State Agrarian University
Web site url
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Articles count: 7
The article analyzes and evaluates the efficiency and sustainability of rice production in the region; it also gives the recommendations for more dynamical development of the sub-sector
The main purpose of any organization is profit making,
that is why profit research is necessary. Profit is
important part of stable position and further
development of the organization. Various factors
influence profit in different ways. Analysis of the
impact of certain factors on the financial result makes
it possible to reveal errors in time and to develop
measures aimed at solving the problems. In the article,
the main factors that influence profit are considered.
A factor analysis of the profit both for the whole
organization and for individual type of product was
conducted, to determine the impact of the profit from
the sale of a particular type of product on the final
financial result. The impact of each factor on profit
was measured, to identify profit growth resources of
the organization. The main directions of increasing
production efficiency were determined to achieve high
financial results
The article discusses the necessity to consider industry
characteristics in assessing the financial status and
solvency of economic entities. The functioning of the
agricultural sector organizations is characterized by a
number of features including the high risks, seasonal
production, uneven cash flows from operating
activities, low profitability of the business and low
capital turnover ratio. Under these conditions, the
credit rating of the agricultural producers, based on an
analysis of their financial situation, is essential to
determine the risks associated with the impossibility to
return the principal sum and interest. Each bank
develops its own methodology for an evaluation of
the credit risks of the borrowers, taking into account
the credit policy and customer features. The study has
shown that the analysis of the borrower's financial
situation through a variety of factors underlies the
assessment of the creditworthiness. The article also
discusses the credit rating methodologies of the federal
and regional commercial banks. Their similarities and
differences are highlighted both by a set of the applied
indicators and by the recommended threshold limits.
The conclusion is that the current methodologies
insufficiently take the industry characteristics of
borrowers into account that increases the risks of loan
default. Applying an individual approach to the
evaluation of their financial status and taking the
industry characteristics activities and the development
effectiveness into account are recommended at
crediting of the agricultural producers
The article noted that the aggravation of the problem of
economic sustainability of agricultural organizations in
the modern market economy, caused by the influence of
the complex as a deterrent, and potentially contributing
to internal and external factors, showing up at all stages
of the reproductive process. Investigation of this
problem has allowed allocating and justifying the most
important factors, classified in the context of
organizational, economic, innovation and investment,
financial and social components, affecting the process
of ensuring the economic sustainability of agricultural
organizations, taking into account the specific
conditions of their operation. Among the constraints, we
highlighted the high cost of borrowing, the fiscal tax
policy, price disparity, lack of working capital, high
financial risks and depreciation of fixed assets, low
production efficiency, aging staff, lack of highly
qualified personnel, and others. Among the factors
conducive to economic stability, we defined such
factors as loans, incentives, insurance, government
support, the intensification of innovation, use of new
resource-saving technologies, modernization and
reconstruction of production, increasing the
responsibility of the business, improving human
resources and others. The proposed classification by the
nature of influence on the object of control in the
context of structural and functional components enables
the development of mechanisms and tools to increase
agricultural organizations adaptation to the changing
environment. The author concludes that by taking into
account all the factors and the formation of an effective
management system based on agroeconomically
harmonious coordination of market mechanisms and
government regulation, it is really possible to achieve
economic growth that will create the conditions for balanced, sustainable and socially-oriented economic
development
The article is devoted to the evaluation of the
influence of the interest rate policy of the central
bank (CB) on the deposit policy of commercial
banks. The author analyzes the dynamics of the
Central Bank's key interest rate, weighted average
interest rates to individuals funds obtained raised by
credit organizations. Particular attention was paid to
regression analysis to determine the dependence of
rates on deposits of individuals from the Central
Bank's key rate. The authors presented the forecasted
values of interest rates on deposits of individuals,
which clearly demonstrate the current situation of the
deposit policy of commercial banks. A number of
indicators that affect the change in interest rates on
deposits of individuals are considered. In addition,
the main positions on improving the deposit policy
are presented. The conclusion is drawn that interest
rates on deposits depend on a whole spectrum of both
external and inner banking components. Each bank
develops its own deposit policy, determining the
terms, types of deposits and their interest, terms of
conducting deposit operations, relying on the
specifics of their activities and taking into account
the factor of competition with other banks and the
inflationary processes that occur in the economy
The article presents the methodological regulations that optimize the placement of agricultural production to ensure the growth of its economic stability, taking into account zonal features, resource opportunities and innovative and investment support