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 proposes a method of estimating grade rating of competitiveness of the food industry
The agricultural industry is subsidized sector of economy, besides a certainty is that agrarian production in the Russian conditions can't be conducted without considerable support from the state. Today the agricultural industry is the most important element of the market and the animator of development of economy. With respect there to upgrade of state policy in agro-industrial complex, considering the basic principles of development of an industry is necessary. In article indicators of increase in efficiency of use of means of the state support of producers of an agricultural industry of Russia are considered. Effective rendering the state support of an agrarian industry allows implementing established by the doctrine of food security, the state strategy, creations of rural infrastructure, recovery of agricultural mechanical engineering and streamlining of a land ownership. It should be noted that results of the given state support of agricultural industry of Russia in the main directions of an industry: plant growing, livestock production, poultry farming has the heterogeneous level of efficiency which is reflected indicators of achievement of level of self-reliance main products of food and achievement of the level established by the doctrine of food security of the country. A necessary condition of creation of dynamically developing and competitive industry in the world and domestic markets is a fixed growth in volumes of the state support, upgrade old and development of new programs of support of the village and agricultural producers
Under conditions of high competition, marketing of educational services is seen as a management tool for the establishment of additional professional education and improve its competitiveness. In this regard, a quantitative characteristic of a state and dynamics of key parameters of establishment of additional professional education based on monitoring of efficiency of marketing activity has become urgent. We have considered existing methodical approaches to evaluating marketing effectiveness of educational institutions. The two-component technique of assessment of efficiency of marketing in institutions of additional professional education of an agrarian profile including the complex diagnostic analysis on key blocks and their significant characteristics and assessment on the basis of the adapted technique of definition of stability of development of social and economic system, considering specifics of activity of institutions of additional professional education of an agrarian profile is developed. The author's system of indicative indicators in the main directions allowing realizing the general principles of marketing in system of agrarian educational institutions is offered. We present results of assessment of stability of development of educational institution present on the example of institute for personnel refresher training of agro-industrial complex (Zernograd, Rostov region)
The term "methodology" is understood differently. Methodology - the doctrine of the organization. Methodology (from the "method" and "logy") - the doctrine of structure, logical organization, methods and means of action. Methodology - the system of principles and methods of organization and construction of theoretical and practical activities, as well as teaching on this system. From these definitions it follows that the methodology - is an intellectual base rod defining approach to specific activities to management decisions. The methodology, which adheres to the manager, lies at the heart of its activities, determines its success or failure, manifested in the consequences of decisions. We give some examples of methodological errors which lead to wrong management decisions. So, the person who seriously requires providing "maximum profit at minimum cost" should be classified into one of two classes, which can be briefly described as "fools" and "liars". Profit must not be the sole purpose of business. The following section will discuss the methodology in place of conducting various scientific economic and technical studies. A natural continuation of the topic - the wording of some of the methodological problems using mathematical methods
In modern conditions the sphere of housing and communal services has every reason to become a breakthrough towards sustainable development of the national economy based on innovation. However, most of the fixed assets of institutional agents of this sector in dire need of immediate conduct of a comprehensive modernization. This fact determines the relevance of subjects of this article.
The main object of management in the sphere of housing and communal services is housing. The organization of its operation does not meet modern standards, which negatively affects the quality of utility services provided to the population.
We have revealed the most significant factors and determined the degree of their influence on the development of innovative potential of the sphere of housing and communal services and improving the quality of housing and communal services. The article reveals the necessity of introduction of innovative technologies of information metering and payment of utility services to the population. The influence of these technologies to improve the quality of housing and communal services, as well as strengthening the financial condition of the majority of institutional agents engaged in housing operation was found. We identify the most promising areas of the comprehensive modernization of municipal infrastructure of housing and communal services through the introduction of innovative technologies of information metering and payment of utility services which stimulate institutional agents of this sector to improve the quality of housing services produced by them
There were cited the indexes of changes of arable lands of the RF in the result of modern land reform. On the example of the Krasnodar region there was determined the dynamics and variability of arable lands and sowings for 1970-2012 using the linear equation of regression. There were formulated the main reasons of decreasing of agricultural lands: reorganization of agricultural organizations, formation of land redistribution stock, presence
of unclaimed and unused lands in agricultural production. There was made a conclusion on necessity of substantiation of theoretical aspects of management with land resources and development of practical activity in the sphere of land relations improvement. There was shown the experience of management with land resources in different countries. There was substantiated the development of modern system of management on the basis of systematic and situational approach. There was made a conclusion on necessity of creation of independent organizational structure of management with land resources, developments
of the concepts of land policy of the RF on 2016-2025 under the government of the RF. The state program of land reforms must include the development of land legislation; creation of planning system, use and protection of land resources; determination of order of use of arable lands by landowners and land users on the basis of land management documents; provision of special protection of arable lands; restoration of land management service of Russia. There were offered some arrangements to complete the last stage of modern land reform
One of the main criteria of efficiency technologies in livestock production is the level of the negative impact on the environment per unit of time, or volume of production. Intensification and specialization can significantly improve efficiency, but at the same time can increases the impact on agro-ecosystem. An important condition for the preservation of ecosystems is to find ways of using animal waste as a raw resource. The ecological balance can ensure the production of meat and dairy products for industrial technology in family farms of 50-200 cows and up to 10 thousand pigs. Economically advantageous to carry out the raw manure to a distance of no more than 10-15 km, which is achieved with a small population, when fully formed wastes are used to improve soil fertility. For large mega-complexes advisable to equip their facilities for the production of biogas and the use of covered manure storage. In its turn, to prevent infection of livestock production, bentonite clay should be used as sorbents. This technology content of the stomach-governmental and poultry should be humane with respect to them, environmentally safe for the ecosystem, cost-effective and competitiveness for producers, safe for consumer
Implementation of investment projects is one of priority tasks for the entities as efficiency of their business depends on it. In agricultural industry the special attention in the present is required by rabbit breeding as it is the most perspective direction of development of livestock production because of rather high level of economic return. In article the factors determining prospects of this direction are considered. The comparative characteristic of different types of meat on the main indicators determining business performance is provided. Following the results of calculations the greatest indicator of profitability is determined by meat of rabbits. Follows from the provided data that in Russia positive dynamics of development of rabbit breeding is noted, at the same time the existing production volumes don't satisfy the need of the population for complete amount. The directions of specialization of rabbit breeding and their characteristic features are determined. The main factors constraining rabbit breeding development are considered. One of the possible directions of their decision can consider the developed investment project of a construction of a farm of rabbits. Calculations of efficiency the farms of rabbits of different scale are made. The indicators reflecting results of their implementation for the entities are analyzed. Possible risks of the investment project are estimated and the most acceptable methods and acceptances of decrease in their degree in this situation are offered
There were determined the factors that form the most attractive area of investment for the enterprises of agrarian and industrial complex with the aim of achieving maximum efficiency of production. There were identified the advantages of the rabbit-breeding as one of the most attractive areas of investment. There were revealed the causes of the growing demand for rabbit meat, its advantages compared to other types of meat. There were determined the trends of rabbit meat sustain-able demand formation. There was revealed the level of competitiveness in the sector, there were the most evident competitors on the territory of Krasnodar region. There were determined the main trends of the further development of rabbit breeding, the main one must become the breeding of animals on large industrial enterprises with the use of the system “empty-occupied”. There was calculated the economic effectiveness of investments in construction of the rabbit breeding farm with the use of the system “empty-occupied” on the territory of the largest producer of agricultural products of the JSC “Kuban” in Ust’-Labinsk district which is a part of the agricultural holding "Kuban". There was determined the most rational structure of demand of rabbit meat to different channels of realization, there were calculated the current costs on the realization of the project. There were determined the most accept-able costs of realization with the account of consumer demand peculiarities. The realization of the project allows us to obtain the quite high level of profit and commercial profitability. The rationality of investment of rabbit breeding business is affirmed by too high indexes of the project’s effectiveness