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Digitalization of the Financial Sector: Background and Specifics 金融部门的数字化:背景和具体情况
Y. Evdokimova
Digital changes taking place in the economies of different countries are greatly transforming the financial sector. Consumers perceive the ongoing digital changes in the financial industry differently, which is due to different values of generations, the difference in the opportunities for using digital technologies by different age groups. Millennials are the main target audience of the financial sector. The level of digital literacy in the Russian Federation, studied by age criterion, showed a clear advantage in the possession of General digital skills and financial digital skills of the Millennials ' generation. The analysis of the level of penetration of financial technologies by countries, including the Russian Federation, was carried out. The main differences in the level of digital literacy of the Russian population are considered.The main global and Russian trends in the development of digital financial technologies were also studied.
不同国家经济中发生的数字化变革正在极大地改变着金融部门。消费者对金融行业正在发生的数字化变化的看法不同,这是由于几代人的价值观不同,不同年龄组使用数字技术的机会不同。千禧一代是金融行业的主要目标受众。按年龄标准研究的俄罗斯联邦数字素养水平显示,千禧一代在拥有一般数字技能和金融数字技能方面具有明显优势。对包括俄罗斯联邦在内的各国对金融技术的渗透程度进行了分析。考虑了俄罗斯人口数字素养水平的主要差异。还研究了全球和俄罗斯数字金融技术发展的主要趋势。
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引用次数: 0
Digital Capital as a Basis for the Development of the Economy in Modern Time and Principles of the Digitalization 数字资本作为现代经济发展的基础及数字化原则
M. Magomedov, O. V. Karabanova, V. Dikikh
The article presents an analysis of economic processes at the present stage. The formation of economic structures has always been conditioned by some significant event, scientific discovery, catalyst of progress. Technological stages, formed since 1970, have already been formed by combining the material and nonmaterial base: the invention of microprocessors and information services; the discovery of graphene and the formation of artificial intelligence, etc. The transition to the digital economy is due to the transition to a new basis digital capital, which combines material and non-material components. The intangible component provides almost limitless opportunities in the formation of the competitiveness of an employee, an organization. However, the gap, the differentiation of countries in the availability of digital capital as a new resource, increases inequality in society. A greater effect and result from the work of digital capital is achieved by increasing accessibility to it; it grows in the interaction of people and in interaction with other forms of capital (human, social, political, communication, intellectual, etc.). Digital capital supposedly possesses a feature that puts the economy itself, with its resource-based nature, into new conditions.
本文对现阶段的经济过程进行了分析。经济结构的形成总是受到一些重大事件、科学发现、进步催化剂的制约。自1970年以来,物质和非物质基础的结合已经形成了技术阶段:微处理器和信息服务的发明;石墨烯的发现和人工智能的形成等。向数字经济的过渡是由于向数字资本的新基础过渡,数字资本结合了物质和非物质成分。无形的成分提供了几乎无限的机会,形成一个员工,一个组织的竞争力。然而,这种差距,即各国在数字资本作为一种新资源的可用性方面的差异,加剧了社会的不平等。通过增加对数字资本的可及性,可以实现数字资本工作的更大影响和结果;它在人与人之间的互动以及与其他形式的资本(人力、社会、政治、通信、智力等)的互动中成长。据推测,数字资本具有一种特征,可以将以资源为基础的经济本身置于新的条件下。
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引用次数: 1
Mathematical Modeling and Forecasting of Student’s Academic Performance on Massive Online Courses 大规模网络课程学生学习成绩的数学建模与预测
A. Tolmachev, E. Sinitsyn, G. Astratova
Mathematical model for calculating the scores' distributions in massive open online courses is proposed. The model is based on the theory of Markov processes. It allows to calculate the probability to find a student in one of the groups according to the results of passing the tests: unsuccessful students, performing satisfactorily and doing well and excellent. It is shown that in the limit of a sufficiently long history of teaching the course on the educational platform, the distribution of scores for the course becomes asymptotically steady. It is shown also that such asymptotically steady distributions, can be calculated on the base of the model proposed, even for the courses without a long history. Such asymptotically steady distributions can be indicators of the quality of control materials and approaches to student scoring. As an example, several courses of Ural Federal University (UrFU), posted on the National Platform of Open Education have been analyzed. The possibility of using the model to predict the results of control tests based on the data on the current progress of students before passing them is shown.
提出了计算大规模网络公开课成绩分布的数学模型。该模型基于马尔可夫过程理论。它允许根据通过测试的结果计算在其中一组中找到学生的概率:不成功的学生,表现令人满意的学生以及表现良好和优秀的学生。结果表明,在教育平台上足够长的教学历史的限制下,该课程的分数分布趋于渐近稳定。结果还表明,这种渐近稳定分布可以在模型的基础上计算出来,即使对于没有很长历史的课程也是如此。这种渐近稳定分布可以作为控制材料和学生评分方法质量的指标。以乌拉尔联邦大学(UrFU)在国家开放教育平台上发布的几门课程为例进行分析。展示了利用该模型根据学生在通过控制测试之前的当前进度数据预测测试结果的可能性。
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引用次数: 0
Use of Information and Communication Technologies and Remote Forms of Speech Therapy Work in the Practice of a Logopedist 使用信息和通信技术和远程形式的语言治疗工作在一个词汇学家的实践
I. A. Filatova, E. V. Karakulova, O. Yugova
The use of information and communication technologies and remote forms of speech therapy in the practical activities of a logopedist (speech therapist) makes it possible to provide an individual approach to children with severe speech disorders, to organize the continuity of the correctional and developmental process in the conditions of forced absence of students in the classroom in the traditional offline form. The article analyzes the practical experience of logopedists in the use of digital technologies and remote speech therapy classes with preschool children. During the study 100 questionnaires of logopedists were collected and analyzed. The advantages and disadvantages of remote forms of work with children, difficulties in preparing and conducting webinars with preschoolers with speech disorders are revealed. The most significant aspects that need to be taken into account by specialists when using information and communication technologies and remote forms of speech therapy work with preschool children are highlighted.
在logopedist(语言治疗师)的实践活动中使用信息和通信技术以及远程语言治疗形式,使得有可能为患有严重语言障碍的儿童提供个性化的方法,在学生被迫缺席教室的情况下,以传统的离线形式组织纠正和发展过程的连续性。本文分析了语音学家运用数字技术和远程语言治疗课程对学龄前儿童的实践经验。在研究过程中,共收集和分析了100份词法学家的问卷。揭示了远程儿童工作形式的优点和缺点,以及为患有语言障碍的学龄前儿童准备和开展网络研讨会的困难。强调了专家在使用信息和通信技术以及远程形式的学龄前儿童语言治疗工作时需要考虑的最重要方面。
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引用次数: 0
Current Law on General Rights of Agricultural Land Users in Vietnam: Reality and Issues that Need Modification 越南现行农用地使用者一般权利法:现实与需要修改的问题
Luan Nguyen Thanh
This paper focuses on analyzing and commenting on the content and practice of the current legal provisions on the general rights of land users in Vietnam, including: (i) the right to exploit and enjoy results brought from land, with the State creating maximum favorable conditions for land users realize the benefits from the land; (ii) the right towards adjoining immovable property; (ii) the State’s protection of land use rights. The article shows the good results that have been achieved, the constraints which remain and the shortcomings of the current legal provisions. On that basis, the article puts forth a number of proposals to amend and supplement these legal provisions to expand and further ensure the rights of entities in the exploitation and use of land in Vietnam, in accordance with the market economy.
本文着重对越南现行法律规定的土地使用者一般权利的内容和实践进行了分析和评述,包括:(1)土地利用和享受土地带来的成果的权利,国家为土地使用者实现土地利益创造最大限度的有利条件;(二)相邻不动产使用权;(二)国家对土地使用权的保护。文章阐述了我国在这方面取得的良好成效、存在的制约因素以及现行法律规定的不足。在此基础上,文章提出了一些修改和补充这些法律规定的建议,以扩大和进一步确保越南土地开发和使用的实体权利,符合市场经济。
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引用次数: 2
Digital Transformation of the Supply Chain Network 供应链网络的数字化转型
Z. Khmelnitskaya, P. L. Sizov
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引用次数: 1
Digitalisation of Company’s Communication With Customer Markets in the Russian Arctic Zone 公司与俄罗斯北极地区客户市场沟通的数字化
L. Babkina, O. Skotarenko, M. Kozin
The article presents a case study of a big company operating in the Russian Arctic Zone in order to explain the need for digitalisation of communication between resource suppliers and customer markets. Currently, the main way of communication between the company in question and its customer markets is contractual relations. Their timeliness and quality are becoming particularly important, especially for big businesses. The quality of a resource supply contract directly affects the completeness of the resource supply and performance of the schedule agreed in the contract. Contract performance directly influences the financial and economic performance of the company and, consequently, its competitiveness on customer markets. A contract as a main communication tool is the critical legal instrument, regardless of the annual number and scope of contracts. It applies to various contracts, from several big orders for companies (enterprises) on sectoral customer markets to tens of thousands on a consumer market reaching individuals and households.
本文介绍了在俄罗斯北极地区运营的一家大公司的案例研究,以解释资源供应商和客户市场之间通信数字化的需求。目前,该公司与其客户市场之间的主要沟通方式是合同关系。它们的及时性和质量变得尤为重要,尤其是对大企业而言。资源供应合同的质量直接影响到资源供应的完整性和合同中约定的时间表的执行情况。合同的履行直接影响公司的财务和经济绩效,从而影响其在客户市场上的竞争力。合同作为主要的沟通工具,是至关重要的法律文书,无论合同的年度数量和范围如何。它适用于各种合同,从面向行业客户市场的公司(企业)的几笔大订单,到面向个人和家庭的消费市场的数万笔订单。
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引用次数: 0
Prospects for the Use of Digital Technologies in the System of Digital Labeling and Traceability of Chocolate 数字技术在巧克力数字标签和可追溯系统中的应用前景
A. Petrosyan
This article considers the prospects for the use of digital technologies in the Russian economy using the example of the existing system of digital labeling and traceability of products. A comparative analysis of the mandatory attributes (characteristic features of a article), presented in the catalog of labeled products, is carried out using the example of the already implemented labeling system in relations to garments, made of natural fur, footwear and drugs. Based on the analysis of the results of the implementation of the system digital labeling and the traceability of products, as well as the observed problems and trends in the market of raw materials for the production of chocolate (cocoa beans and cocoa butter) and finished products, the author proposed a list of general and specific attributes, that must be presented in the catalog of labeled products in the event of the dissemination of the system of digital labeling and traceability of products in relation to chocolate. Specific examples of indicating general and specific attributes for chocolate and compound chocolate bar (other products) are given.
本文以现有的数字标签和产品可追溯性系统为例,考虑了在俄罗斯经济中使用数字技术的前景。本文以已实施的服装、天然毛皮、鞋类和药品标签制度为例,对标签产品目录中规定的强制性属性(物品的特征)进行了比较分析。通过对系统数字标识和产品可追溯性实施结果的分析,以及观察到的巧克力生产原料(可可豆和可可脂)和成品市场存在的问题和趋势,笔者提出了一般属性和特定属性清单,在传播与巧克力有关的数字标签和产品可追溯性系统的情况下,必须在标签产品目录中显示。给出了说明巧克力和复合巧克力棒(其他产品)一般属性和特殊属性的具体例子。
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引用次数: 0
Algorithm for Managing the Quality of Educational Information System 教育信息系统质量管理算法
I. Azhmuhamedov, B. Yorkulov
The paper considers the problem of assessing the quality of educational information systems in the context of the digital transformation of society. An algorithm for determining the quality of information systems based on expert information is proposed. This approach differs in that it allows one to formalize qualitative assessments of the state of the system using the theory of fuzzy sets. The fuzzy quality assessment models included in the methodology, as well as the algorithms corresponding to them, allow, based on expert data, to assess the quality of educational information systems at the stage of their development, implementation and use. The implementation of the methodology makes it possible to increase the efficiency of the quality management process of educational information systems and the educational process as a whole.
本文考虑了在社会数字化转型背景下评估教育信息系统质量的问题。提出了一种基于专家信息的信息系统质量判定算法。这种方法的不同之处在于,它允许人们使用模糊集理论形式化对系统状态的定性评估。该方法中包含的模糊质量评价模型以及与之相对应的算法,可以根据专家数据,在教育信息系统的开发、实施和使用阶段对其质量进行评价。该方法的实施可以提高教育信息系统质量管理过程和整个教育过程的效率。
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引用次数: 0
Application of Digital Technologies for Solving Optimization Tasks 数字技术在解决优化任务中的应用
A. Eleusov, A. Saparbayev, A. T. Makulova
The article discusses the issues of digital technology of optimization calculations in real time. Working on a real-time scale allows the user to start calculations at any point in time convenient for him, to continue their required amount of time until they get a completely satisfactory result or to interrupt them at any time at their discretion. A simple dialogue language with computer technology allows you to perform calculations directly from the specialist's workplace in the area under consideration. The value of the work is to develop an economic-mathematical model of the optimization problem under consideration and a specialized dialogue complex for solving various optimization calculations. Digital (interactive) technology of optimization calculations, implemented on the basis of standard software tools, can be applied to a wide class of tasks of optimizing the transport and logistics systems of grain processing enterprises in real time during the planning process. Thus, in order for the solution of the optimization problem to become a management tool based on computer technology with the crowding out of existing manual calculations, it is also necessary that it be used in real time in combination with dialogue support tools.
本文讨论了实时优化计算的数字技术问题。在实时规模上工作允许用户在任何方便的时间点开始计算,继续他们所需的时间,直到他们得到一个完全满意的结果,或者在他们的自由裁量权随时中断他们。一个简单的对话语言与计算机技术允许您执行计算直接从专家的工作场所在考虑的领域。这项工作的价值在于为所考虑的优化问题建立了一个经济数学模型,并为解决各种优化计算建立了专门的对话复合体。优化计算的数字(交互)技术,在标准软件工具的基础上实现,可以应用于粮食加工企业在规划过程中实时优化运输和物流系统的各种任务。因此,为了使优化问题的求解成为一种基于计算机技术的管理工具,挤掉现有的人工计算,还需要与对话支持工具结合使用。
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引用次数: 0
期刊
Proceedings of the 2nd International Scientific and Practical Conference on Digital Economy (ISCDE 2020)
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