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ՀՀ-ում գործող ՄՖԿ-ների կողմից տեղեկատվական տեխնոլոգիաների կիրառելիությունը և զարգացման հնարավոր ուղղությունները/Applicability and Possible Development Directions of Information Technologies for MFCs Operating in RA ՀՀ——ումգործողՄՖԿ——ներիկողմիցտեղեկատվականտեխնոլոգիաներիկիրառելիությունըևզարգացմանհնարավորուղղությունները/信息技术的适用性和可能的发展方向在RA mfc电池操作
Pub Date : 1900-01-01 DOI: 10.52174/1829-0280_2022.3-29
Aram Mkhitaryan
Nowadays, attracting clients in remoteregions, high transaction fees for serving such clients, effectiveexchange of information on institutional level and effectivemanagement of the organization are some crucial problems thatarise for microfinance companies (hereinafter referred to asMFCs). Information technologies are considered to be one of thebest solutions to such problems. Within the framework of thepaper local financial market and international analyses weremade with the aim of introducing the possibility of submittingmicro-borrowings with the help of technologies. Within theframework of the work, a secondary data analysis of developing,as well as developed countries was conducted. In addition asurvey was carried out to clarify the possibility of providingcredit services through the technologies for the population of theRepublic of Armenia. As a result, it was established that middleaged clients, living in rural and urban settlements can be offeredonline loans through mobile applications. Provision of financialservices together with payment and settlement organizations isalso considered as a solution for microfinance organizations.
目前,小额信贷公司(以下简称小额信贷公司)面临的一些关键问题是如何吸引偏远地区的客户、为这些客户提供服务的高额交易费用、机构层面的有效信息交流以及组织的有效管理。信息技术被认为是解决这些问题的最佳方法之一。在本文的框架内,进行了本地金融市场和国际分析,目的是介绍在技术的帮助下提交小额贷款的可能性。在这项工作的框架内,对发展中国家和发达国家进行了二次数据分析。此外,还进行了一项调查,以澄清通过这些技术向亚美尼亚共和国人民提供信贷服务的可能性。因此,可以通过移动应用程序为居住在农村和城市定居点的中年客户提供在线贷款。与支付和结算机构一起提供金融服务也被认为是小额信贷机构的解决方案。
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引用次数: 0
Evaluation of the Effectiveness of State Assistance Programs Implemented in the RA Agricultural Sector Through a Survey among Farmers and Experts 通过对农民和专家的调查评估在RA农业部门实施的国家援助计划的有效性
Pub Date : 1900-01-01 DOI: 10.52174/1829-0280_2022.6-22
G. Avagyan, G. Petrosyan, Khoren Mkhitaryan, Knarik Vardanyan, A. Mirumyan
The agricultural sector has always been in the centre of attention of the state policyand the government initiates a number of measures to increase effectiveness and productivity of this sector of the economy. However, these measures are not alwayseffective, and a question often arises about the results obtained against public resourcesspent in this sphere. The given research aimed revealing the effectiveness of the stateassistance programs implemented in the RA agricultural sector, for the purpose of whicha survey of the main beneficiaries of the sector was developed. In particular, separatesurveys were conducted among farmers (both for households and commercialorganizations) and experts in the field of agriculture. The results of the surveys made itpossible to identify the main shortcomings and advantages of state support programs, aswell as opportunities for their improvement.
农业部门一直是国家政策关注的中心,政府采取了一系列措施来提高这一经济部门的效率和生产力。然而,这些措施并不总是有效的,而且经常出现一个问题,即在这一领域花费的公共资源所取得的结果。本研究旨在揭示在RA农业部门实施的国家援助计划的有效性,为此对该部门的主要受益者进行了调查。特别是,在农民(家庭和商业组织)和农业领域的专家中进行了单独的调查。调查的结果使我们能够确定国家支持计划的主要缺点和优点,以及改进它们的机会。
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引用次数: 0
Հայաստանի Հանրապետությունում փոքր և միջին ձեռ­նարկա­տիրության զարգացման միտումներն ու առանձ­նահատկությունները/PECULIARITIES AND TRENDS OFSMALL AND MEDIUM ENTERPRISESDEVELOPMENT IN THE REPUBLIC OFARMENIA ՀայաստանիՀանրապետությունումփոքրևմիջինձեռ——նարկա——տիրությանզարգացմանմիտումներնուառանձ——նահատկությունները/ OFSMALL特点和趋势和媒介在共和国OFARMENIA ENTERPRISESDEVELOPMENT
Pub Date : 1900-01-01 DOI: 10.52174/1829-0280_2022.2-77
Khoren Mkhitaryan, Boondee Kachachat
SME sector has a significant impact on the countries’ economic development andprovides tangible social economic results leading to regional development. Acknowledgingthe crucial role of SME sector in countries’ development, the paper aims at identifying themain trends and issues of the sector strategy development and making correspondingsuggestions for its further development. Specifically, different theories and models havebeen outlined in the paper regarding the development of small and medium enterprisessector, the determinants of efficiency in SMEs, conceptual framework of factors affectingSMEs development, etc. The data have been gathered and analyzed taking intoconsideration the peculiarities and trends of small and medium enterprises development inthe Republic of Armenia, the obstacles and, meanwhile, prospects and main directions ofthe sector development. Corresponding recommendations have been made based on theconclusions, results and findings of the study which is directed to contribute to the futuredevelopment of small and medium enterprises in the Republic of Armenia.
中小企业对国家经济发展具有重要影响,并为区域发展提供了实实在在的社会经济成果。认识到中小企业在国家发展中的关键作用,本文旨在确定中小企业战略发展的主要趋势和问题,并为其进一步发展提出相应的建议。具体而言,本文对中小企业的发展、中小企业效率的决定因素、影响中小企业发展因素的概念框架等方面提出了不同的理论和模型。在收集和分析数据时,考虑到亚美尼亚共和国中小企业发展的特点和趋势、障碍以及部门发展的前景和主要方向。根据研究的结论、结果和发现,提出了相应的建议,旨在促进亚美尼亚共和国中小型企业的未来发展。
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引用次数: 0
ՀՀ բանկային համակարգում ակտիվների որակի միկրոտնտեսական կարգավորումը / Microprudential Regulation of the Quality of Assets in the RA Banking System ՀՀբանկայինհամակարգումակտիվներիորակիմիկրոտնտեսականկարգավորումը/微观审慎监管的银行体系的资产质量RA
Pub Date : 1900-01-01 DOI: 10.52174/1829-0280_2022.4-30
Martin Tonikyan
The paper investigated microprudentialfactors and their relationship with non-performing loans. A closerelationship between net profit and the percentage of nonperforming loans was revealed. A high negative correlation withlags is shown, which indicates that ROA is a good predictor forNPL. Analogous results were also noted by us when consideringthe indicator FCFF. Another interesting fact is that the increasein the number of assets leads to a decrease in the company'sprofitability both immediately and in the following years, and it isalso associated with an increase in non-performing loansthroughout the system.Thus, in order to create a more stable financial market, it isnecessary to limit the annual growth of bank assets at thelegislative level. It is obvious that extremely fast and aggressivegrowth is connected with potentially large risks and volatility inthe banking system.
本文研究了微观审慎因素及其与不良贷款的关系。净利润与不良贷款比例之间存在密切关系。与滞后呈高度负相关,这表明ROA是不良贷款的良好预测指标。在考虑FCFF指标时,我们也注意到类似的结果。另一个有趣的事实是,资产数量的增加导致公司立即和随后几年的盈利能力下降,并且还与整个系统的不良贷款增加有关。因此,为了创造一个更加稳定的金融市场,有必要在立法层面限制银行资产的年增长。很明显,极其快速和激进的增长与银行体系中潜在的巨大风险和波动有关。
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引用次数: 0
Healthcare Tourism in Armenia: Opportunities and Perspectives of Development 亚美尼亚医疗保健旅游:机遇和发展前景
Pub Date : 1900-01-01 DOI: 10.52174/1829-0280_2021_5_107
G. Tovmasyan
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引用次数: 1
ՀՀ տարածքային անհամաչափության գնահատում և վերլուծություն / Assessment and Analysis of the RA Territorial Disparity ՀՀտարածքայինանհամաչափությանգնահատումևվերլուծություն/ RA领土差距的评估和分析
Pub Date : 1900-01-01 DOI: 10.52174/1829-0280_2022.4-41
Manuk Movsisyan, Tsovinar Karapetyan, Taguhi Ohanyan, A. Minasyan
In the paper, through the authors’ calculations ofthe gross regional output at basic prices, the disproportionatedevelopment of the RA territory in 2008-2020 was analysed andassessed according to the regions of the Republic of Armeniaand the city of Yerevan. As a result the patterns and features ofthe territorial disparity were revealed, as well as thespecialization of the regions was evaluated according to theeconomic activity degree and the existence of a regressionrelationship between the increase (decrease) and economicgrowth (decline) of the RA territorial development variationcoefficient in 2008-2020 was revealed through the econometricmodel.As a result of the analysis of the indicators characterizingthe territorial asymmetry, a high level of asymmetry wasrecorded both between the city of Yerevan and the regions, aswell as between the regions, which was due to the degree ofspecialization of individual regions according to the types ofactivities and the share of these types of activities in the RAeconomy.
在本文中,作者通过计算基本价格的地区总产值,根据亚美尼亚共和国和埃里温市的地区,分析和评估了2008-2020年RA领土的不相称发展。结果揭示了区域差异的格局和特征,并根据经济活动程度对区域的专业化程度进行了评价,并通过计量经济学模型揭示了2008-2020年区域发展变异系数的增减与增减之间存在回归关系。根据对表征地域不对称的指标的分析,埃里温市与各地区之间以及各地区之间都记录了高度的不对称,这是由于各个地区根据活动类型和这些活动在区域经济中所占份额的专业化程度造成的。
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引用次数: 0
ՀՀ, ԵԱՏՄ և հարևան երկրների բնակչության զարգացման, կենսամակարդակի և անհավասարության վերլուծությունը/Analysis of the Population development, Living Standards and Inequality of RA, EAEU and Neighboring Countries ՀՀ,ԵԱՏՄևհարևաներկրներիբնակչությանզարգացման,կենսամակարդակիևանհավասարությանվերլուծությունը/分析人口的发展,生活水平和不平等的RA, EAEU和周边国家
Pub Date : 1900-01-01 DOI: 10.52174/1829-0280_2022.3-131
Romik Ghazaryan
Evaluating the living standards of the population is one of theimportant tools of socio-economic policy of any country, forwhich a large number of indicators can be used, that can bedivided into two groups: qualitative and quantitative indicators.In this regard, it is very important to create and develop moredescriptive, reliable, practical methods (simplicity of calculation,data accessibility and reliability, ability to make comparativeanalyzes between populations of different countries or regions)that include significant social and economic indicators of life. Inthis context, the United Nations Development Program (UNDP)offers several approaches to evaluating the living standards ofthe population, which, evolving over time, include importantsocial and economic aspects of human life and are widely usedall over the world, both at the state level (national statistics,socio-economic policy development, etc.) and by many scholarsand researchers conducting research on the topic.The aim of the paper is to perform comparative analysis andevaluation of indicators of development, inequality and standardof living of RA, EAEU and neighboring countries, for which theset of indices proposed by the UNDP was selected as a tool.As a result of the analysis, it was revealed that the growth ofHDI of the RA, in contrast to the other countries under study, iscaused mainly by the growth of incomes. Incomes are rising inArmenia, Russia, and Azerbaijan, but the level of inequality isdeepening. The HDI value of men in Armenia is higher, which ismainly due to the almost double advantage of incomes.
评价人口的生活水平是任何国家社会经济政策的重要工具之一,可以使用大量的指标,这些指标可以分为两类:定性指标和定量指标。在这方面,创造和发展更具描述性、更可靠、更实用的方法(计算简单、数据可及性和可靠性、在不同国家或地区的人口之间进行比较分析的能力)是非常重要的,这些方法包括重要的社会和经济生活指标。在这种背景下,联合国开发计划署(UNDP)提供了几种评估人口生活水平的方法,这些方法随着时间的推移而变化,包括人类生活的重要社会和经济方面,并在世界各地广泛使用,无论是在国家层面(国家统计、社会经济政策制定等),还是由许多学者和研究人员进行该主题的研究。本文的目的是对中亚地区、欧亚经济联盟和邻国的发展、不平等和生活水平指标进行比较分析和贬值,并选择联合国开发计划署提出的这一套指标作为工具。分析的结果显示,与所研究的其他国家相比,该地区人类发展指数的增长主要是由收入的增长引起的。亚美尼亚、俄罗斯和阿塞拜疆的收入在增加,但不平等程度在加深。亚美尼亚男性的HDI值更高,这主要是由于收入几乎翻倍的优势。
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引用次数: 0
Embracing Finance 4.0: the Opportunity for Armenian Banks to Transform and Thrive 拥抱金融4.0:亚美尼亚银行转型和繁荣的机会
Pub Date : 1900-01-01 DOI: 10.52174/1829-0280_2023.1-19
Arman Hambardzumyan
This article explores the potential for Armenian banks to embrace new technologies anddigital advancements to improve their operations, better serve customers, and stay competitive in the industry. The author argues that the adoption of Finance 4.0, which includes technologies such as artificial intelligence, blockchain, the internet of things (IoT) and machine learning, can provide Armenian banks with significant opportunities to improve their efficiency, reduce costs, and enhance customer experiences. The article highlights some of the key challenges and benefits of adopting these technologies and provides insights for Armenian banks looking to transform and thrive in the new digital era. The article emphasizes the vast opportunities that Finance 4.0 presents to Armenian banks, including the ability to streamline operations, improve risk management, and create personalized customer experiences through data analytics and AI. Byleveraging blockchain technology, banks can also enhance security and transparency intransactions, while the IoT can enable new channels for customer engagement and provide realtime insights into consumer behavior. Ultimately, the adoption of these technologies can position Armenian banks for growth and success in the increasingly competitive global financial landscape.
本文探讨了亚美尼亚银行采用新技术和数字进步的潜力,以改善其运营,更好地为客户服务,并在行业中保持竞争力。作者认为,采用金融4.0,包括人工智能,区块链,物联网(IoT)和机器学习等技术,可以为亚美尼亚银行提供提高效率,降低成本和增强客户体验的重要机会。本文强调了采用这些技术的一些关键挑战和好处,并为希望在新数字时代转型和蓬勃发展的亚美尼亚银行提供了见解。本文强调了金融4.0为亚美尼亚银行带来的巨大机遇,包括简化运营、改善风险管理以及通过数据分析和人工智能创造个性化客户体验的能力。通过利用区块链技术,银行还可以提高交易的安全性和透明度,而物联网可以为客户参与提供新的渠道,并提供对消费者行为的实时洞察。最终,采用这些技术可以使亚美尼亚银行在竞争日益激烈的全球金融格局中取得增长和成功。
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引用次数: 0
Քաղաքացիական ծառայողների կատարողականի գնահատման համակարգային հիմնախնդիրները ՀՀ-ում և դրանց/System Problems of Civil Servants' Performance Appraisalin the RA and the Ways to Implement Them ՔաղաքացիականծառայողներիկատարողականիգնահատմանհամակարգայինհիմնախնդիրներըՀՀ——ումևդրանց/系统公务员的性能问题Appraisalin RA和实现它们的方法
Pub Date : 1900-01-01 DOI: 10.52174/1829-0280_2022.2-45
Lala Khojyan
 The paper studiesthe performance appraisal system of civil servants in the Republicof Armenia. In particular, attention is paid to the effectivenessassessment methodology. In order to comment on the system ofremuneration resulting from the assessment, the amount ofremuneration for the simulated government structure has beencalculated in the case of receiving the highest and lowestperformance rating. As a result of the study, systemic problemsare identified and solutions are proposed.It is necessary to carry out proper work planning, as aconsequence of which performance estimates obtained as a resultof changing the performance appraisal methodology should beapplied in management decisions. One of the results of theresearch is the need to change the remuneration system in termsof staffing the civil service system, which will lead to an increasein the efficiency of the civil service system. The author arrives atthe conclusion that an effective performance appraisal system willincrease the efficiency of civil servants and improve the quality ofwork.
本文研究了亚美尼亚共和国公务员的绩效考核制度。特别要注意的是有效性评估方法。为了对评估产生的薪酬制度发表意见,模拟政府结构的薪酬金额已在获得最高和最低绩效评级的情况下计算。作为研究的结果,发现了系统性问题并提出了解决方案。有必要进行适当的工作规划,因此,由于改变考绩方法而获得的考绩估计数应应用于管理决策。研究的结果之一是需要改变公务员制度的人员编制方面的薪酬制度,这将导致提高公务员制度的效率。笔者认为,一个有效的绩效考核体系可以提高公务员的工作效率,提高工作质量。
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引用次数: 0
Innovative Potential of the Republic of Armenia and its Main Characteristics 亚美尼亚共和国的创新潜力及其主要特征
Pub Date : 1900-01-01 DOI: 10.52174/1829-0280_2021_2_149
A. Aloyan
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引用次数: 0
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Messenger of Armenian State University of Economics
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