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List of publications on a keyword: «credit»

  • Dynamics and challenges of business lending development in the Russian Federation

    Book Chapter
    Development of the Russian socio-economic system: challenges and prospects
    Author:
    Andrei V. Minakov
    Work direction:
    Глава 3
    Abstract:
    For the vast majority of businesses, uninterrupted access to borrowed financial resources is a crucial prerequisite not only for stable operations but also for continued growth. However, in modern Russia, business lending faces a complex set of serious challenges. One of the most pressing issues is the high cost of borrowed funds, which significantly increases the financial burden on businesses. Furthermore, lending institutions impose strict requirements on potential borrowers: mandatory collateral, transparent financial reporting, and a proven track record of successful business management. The situation is further complicated by the country's overall economic instability and unpredictable exchange rate fluctuations, which together create additional pressure on business lending. This study examines the development of business lending in Russia from 2021 to September 2025. The results indicate a decline in loan volumes in 2024–2025 and an increase in interest rates. However, existing prospects, such as lower interest rates, the development of alternative financing sources, government support, and the digitalization of financial services, could significantly improve the situation.
    Keywords:
    banking, business lending, legal entity lending, credit operations, lending development, lending problems
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  • Trends in the development of the lending market in the Republic of Kazakhstan

    Book Chapter
    Effective development of the modern economy: problems and prospects
    Author:
    Ol'ga I. Maer
    Work direction:
    Глава 8
    Abstract:
    The chapter examines the trends in the development of the credit market and credit instruments in the Republic of Kazakhstan within the framework of the digitalization of financial instruments, the involvement of the economy in the processes of globalization and the encounter with certain difficulties of the banking sector in modern realities. An assessment of the current lending situation in the banking sector of the republic has been carried out, key needs and targets have been identified.
    Keywords:
    banking sector, credit, interest rate, lending entities, credit process, digitalization of financial instruments
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  • The general procedure for licensing banking activities in the Russian Federation

    Proceeding
    Law, Economics and Management
    Authors:
    Andrei A. Goriachkin, Evgeniia V. Medentseva
    Work direction:
    Гражданское и семейное право
    Abstract:
    In this article, the author analyzes the institution of banking licensing in the Russian Federation. The paper examines the licensing procedure of credit institutions, as well as its impact on the banking system of the Russian Federation. In addition, various types of credit institutions and their importance for the financial market are described. The thesis is emphasized that the Central Bank's choice of a specific vector for the development of the banking market should not hinder the entry of new entities into the market and the development of healthy competition.
    Keywords:
    Bank of Russia, licensing, banking operations, state registration, credit institution
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  • Continuation of Financial Activities in Bankruptcy Proceedings

    Book Chapter
    Development of the Russian socio-economic system: challenges and prospects
    Authors:
    Irina A. Fedorova, Silvi G. Dashian
    Work direction:
    Глава 6
    Abstract:
    This chapter discusses the possibilities of continuing activities during bankruptcy through financial recovery and external management procedures. Attention is focused on the use of mechanisms such as transfer of obligations, attracting investors, debt restructuring and business sale.
    Keywords:
    bankruptcy, financial rehabilitation, external management, transfer of obligations, new legal entity, judicial practice, creditors' meeting, continuation of activities, restructuring
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  • The role of loan agreements in the legal system of a constituent entity of the Russian Federation

    Proceeding
    Innovative approaches to management in economic, technical and legal systems
    Authors:
    Vladimir D. Timatkov, Renata R. Lenkovskaia
    Work direction:
    Развитие правовых систем
    Abstract:
    This article is devoted to the study of the role of loan agreements in the legal system of a constituent entity of the Russian Federation. The purpose of the study is to consider the problem of the relationship between loan agreements and other legal institutions, such as civil law, banking law, consumer law and others. Particular attention is paid to the peculiarities of the conclusion, execution and termination of loan agreements at the level of a constituent entity of the Russian Federation. The features of regulation of credit relations at the regional level are analyzed, based on regulations and legislation of a specific subject of the Russian Federation. The authors analyze practical problems that arise when concluding loan agreements and resolving disputes between the parties. The influence of federal legislation on the regulation of credit relations in a specific constituent entity of the Russian Federation is also considered. Results. As a result of the above study, the author
    Keywords:
    credit, legal system, loan agreement, credit relations, the role of loan agreements
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  • Ensuring the Economic Security of a Credit Institution

    Proceeding
    Socio-Economic Processes of Modern Society
    Authors:
    Natalia A. Gorkovenko, Elizaveta E. Stepanova
    Work direction:
    Вопросы социально-экономической эффективности предприятий
    Abstract:
    The article considers the regulatory and legal provision of economic security of a credit institution, as well as scientific approaches to determining the essence of economic security, and identifies the features of ensuring the economic security of a credit institution. It is concluded that it is necessary to develop adequate methods and mechanisms to ensure the economic security of credit institutions.
    Keywords:
    economic security, financial system, banking system, economic security of a credit institution, credit organizations
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  • Perception of Undergraduate Students Towards Implementation of Choice Based Credit System (CBCS) in India

    Research Article
    Development of education Volume 4 No 2
    Authors:
    Santosh Kumar Parida, Sudarshan Mishra
    Work direction:
    Sociology of Education
    Abstract:
    The study was conducted to explore the perception of students towards CBCS and the challenges faced by them in the progress for successful implementation of CBCS. Convergent Parallel design of mix-method approach has been used. A total 80 students from Ravenshaw University and from affiliated urban degree colleges of Utkal University were selected as sample of the study. Self-developed perception scale and an open-ended questionnaire were administered. The collected data were analyzed by using percentage, t-test, ANOVA. The research revealed no significant difference in perception towards CBCS between boys and girls and between Arts, Science and Commerce students. Majority of student respondents (87.5%) have a favourable perception towards introduction of GPA instead of marks. Students highly recommended for the provision of credit transfer system, employment-based skill enhancement courses, internal exams, appointment of student advisor and flexibility to study at different times and different institutions to complete one course and scope to transfer credits from one institution to other. Majority of Students highly satisfied with the semester system of examination, flexibility in subject selection, continuous comprehensive evaluation and skill enhancement courses. The study revealed some problem which are faced by students in the successful implementation of Choice Based Credit System such as; overburden of course, workload, exam oriented, inadequate library and infrastructure, absence of specialized teachers and references, text books. The findings of the present study yielded the necessity of developing strategies by all the stakeholders for successful implementation of Choice Based Credit System.
    Keywords:
    Perception, credit, CBCS, GPA, CGPA
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  • Procedure of Bankruptcy Today

    Book Chapter
    Economics and Law
    Authors:
    Nikita A. Zhulev, Aleksandr I. Grebennikov, Valerii V. Smirnov
    Work direction:
    Глава 1. Экономика и менеджмент
    Abstract:
    This article considers bankruptcy as a method of liquidation of a legal entity, its prerequisites, methods of preventing bankruptcy, procedure, procedure for payments to creditors, as well as the benefits that debtors and creditors can derive from this process.
    Keywords:
    debtor, creditor, bankruptcy, bankruptcy procedure, insolvency, signs of insolvency, legal entity
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  • To the question of the concept, origin and general provisions of subsidiary liability

    Proceeding
    Law, Economics and Management
    Authors:
    Svetlana V. Mikhneva, Liudmila V. Tatarenko
    Work direction:
    Гражданское и семейное право
    Abstract:
    The article discusses a wide range of developed approaches to the concept, legal nature and essence of subsidiary liability. It is concluded that the subsidiary liability should be understood as the obligation of the person bearing subsidiary liability to cover the debt of the principal debtor if the latter refuses to satisfy the creditor's claims.
    Keywords:
    obligation, debtor, debt, creditor, subsidiary liability
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  • Current situation of the economic mechanism of private enterprise in the Republic of Kazakhstan

    Proceeding
    Relevant issues of management, economics and economic security
    Authors:
    Olga V. Mishulina, Aisha T. Omarova, Aleksei A. Kalashnikov
    Work direction:
    Анализ и прогнозирование основных тенденций современной экономики на макро-, мезо- и микроуровне
    Abstract:
    This article deals with the current state and development of the economic mechanism of private enterprise in Kazakhstan. Recent trends have been identified in the economic mechanism of private enterprise, based on the application of scientific knowledge, comparison, analysis and systems approach. The result of the study is the formulation of the strengths and weaknesses of small and medium-sized enterprises and the advantages and disadvantages of the state and integration subsystem of the economic mechanism of private entrepreneurship, providing various support measures and contributing to sustainable economic development of the government. The unfavourable trends that have been identified will help to substantiate the main directions for improving the efficiency of small and medium-sized businesses in the country.
    Keywords:
    small and medium-sized enterprises, economic mechanism of private entrepreneurship, credit regulation, tax regulation, customs regulation, development institutions, public-private partnership
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  • System analysis of the mechanism of tax control in credit organizations

    Article in Collection
    Economics and Management
    Authors:
    Andrei V. Minakov, Svetlana I. Zakharina
    Work direction:
    Финансы, денежное обращение и кредит, бюджетная и налоговая политика
    Abstract:
    The article is devoted to the analysis of tax control in credit organizations in order to effectively identify violations by tax authorities. When writing the article, the general scientific method of cognition was used - a system analysis, which allowed us to examine in more detail the peculiarities of internal and external tax control applicable to credit organizations. The authors proposed a matrix of risks and control procedures of a credit institution for use in the initial analytical tax control.
    Keywords:
    tax control, system analysis, credit organization, tax authority
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  • Ekonomicheskaia sushchnost' i klassifikatsiia kapitala predprinimatel'skikh struktur

    Book Chapter
    Culture. Science. Education: modern trends
    Author:
    Ekaterina A. Kurasova
    Work direction:
    Глава 2. Наука
    Abstract:
    The capital of an organization is a fundamental principle in business development. The variety of forms in which the organization's capital acts complicates the process of managing it. At the same time, the use of external sources of financing ensures that business structures achieve their goals and objectives, and sometimes exceed the planned indicators. In capital management, a clear definition of the forms of capital and its structure comes to the fore. Only with strict adherence to raising funds for certain goals and objectives, it is possible to achieve success in the company's activities.
    Keywords:
    capital, equity, debt capital, labor, credit, leasing, business structure
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  • First Outcomes of Implementing the New Model of Continuous Education in the System of Further Post-Graduate Training of Doctors

    Research Article
    Development of education No 1 (7)
    Author:
    Irina V. Chesnokova
    Work direction:
    Education System in Russia
    Abstract:
    The article is devoted to the consideration of the continuing medical education (CME), which is a supplementary vocational education carried out through the implementation of qualification and further post-graduate training programs. The basic principles of the CME development in the Russian Federation are defined in the article. Among them: continuity in post-graduate training; harmonization with international standards; partnership of the state and professional organizations; comprehensive training of medical workers, that is convenient for them; the use of innovative technologies; quality control and independence, the motivation of employees to improve their skills. During the study the following methods were applied: analysis, comparison and observation. The author of the article outlines that the current regulatory framework for the CME development is the federal laws in the field of healthcare. The results of the study. The majority of doctors accepted a new model as a principal one and registered at the CME website for training. It is concluded that the fundamental difference between the new educational model and the traditional one is that in the СME system an individual 5-year cycle educational plan is drawn up, including 250 credits (hours) of educational activity, which are evenly divided into 50 credits (hours) annually. It is also stated that during the process of implementing the model, certain problems arose: a significant increase in the number of students per year, the increase in the number of organizations accredited for training since it is difficult to control it at the first stage. The СME model needs to be improved and developed, relying on all the best achievements and developments of the traditional system of post-graduate training of doctors.
    Keywords:
    continuing medical education, distance learning technologies, post-graduate training of doctors, accreditation and certification of specialists, further post-graduate training in medicine
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  • Structure and basic principles of continuing medical education at the present stage

    Research Article
    Development of education No 1 (3)
    Author:
    Irina V. Chesnokova
    Work direction:
    Russian education system
    Abstract:
    Continuing medical education (NMO0 is an additional vocational education, which is carried out through the implementation of advanced training and retraining programs. The current regulatory framework and prerequisite for the development of NMO are federal laws in the health sector. The basic principles of the development of NMO in the Russian Federation: continuity in improvement qualifications; harmonization with international standards; partnership of the state and professional organizations; comprehensive training of medical workers, convenient for I them, the use of innovative technologies, quality control and independence, the motivation of employees to improve their skills.
    Keywords:
    continuing medical education, advanced medical education, distance learning technologies, accreditation of specialists, professional medical associations
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  • The features of the principles of educational services lending

    Research Article
    Development of education No 1 (1)
    Authors:
    Tatyana V. Belianchikova, Evgenij N. Levashov
    Work direction:
    Educational policy
    Abstract:
    The article deals with the basic principles of lending in relation to the market of educational services. The characteristic of the specific features of the principles of lending of the main and accompanying loans provided by commercial banks to borrowers for their studying in higher educational institutions is given. The directions of financing and support of students of various social groups from the state, including guarantees and subsidies are studied by the author. The system of contracts concluded at various stages of the credit process in the field of education is highlighted.
    Keywords:
    educational services, loans, commercial banks, security, guarantee, subsidies, credit principles, creditworthiness
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  • Professional'naia obshchestvennaia akkreditatsiia: gosudarstvennaia politika, vozmozhnosti, strategiia, innovatsii, obrazovanie, perspektivy

    Book Chapter
    Education and science: current trends No 1
    Authors:
    Aleksandr M. Chernopiatov, Ekaterina I. Bondareva
    Work direction:
    Парадигмы современного образования
    Abstract:
    There are examined professionally-public accreditation of educational programs and direction to identify the features and strengths of programs, the specificity of their implementation, which in consequence will have a positive impact on the quality of training of future specialists. The relevance of the topic to present the new paradigm in the relationships between educational institutions and employers. Employers ' requests for training of specialists due to the ever-increasing demands of the market. In modern conditions the labour market permanently updates its requirements to the quality of graduates of educational institutions. The challenges posed by employer to educational institutions, lies in the fact that the future specialist must be suitable not only on educational performance but also on psychological, individual, management and most importantly on professional qualities, are widely demanded at the present stage.
    Keywords:
    education, innovation, professional public accreditation, educational institution, specialists, employers, professional standards, market, economy, educational programs, quality, Management, task, employment, training
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