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Loan agreement: Comparative analysis of banking legislation in the field of lending to individuals in the Republic of Kazakhstan and the Russian Federation 贷款协议:哈萨克斯坦共和国和俄罗斯联邦向个人贷款领域的银行立法的比较分析
Pub Date : 2022-01-01 DOI: 10.3280/riss2021-002015
Ruslan Zh. Baishev, Zholymbet N. Baishev, Aizhan A. Amangeldy
The banking system is a key link in the economy. As a guarantor of human rights protection, the state must ensure the growth of the well-being of citizens, including by providing affordable and cheap consumer loans to the population. The in-creased level of debt on unsecured consumer loans of citizens of the Republic of Kazakhstan makes it necessary to reduce the debt burden of the population to credit institutions. The purpose of the study was to compare the legislation and the practice of applying sustainability of banking legislation in the field of lending to individuals in the Republic of Kazakhstan and the Russian Federation. The article characterises the sustainability of banking legislation of the Republic of Kazakh-stan, describes the main legislative reforms, their implementation and consequenc-es. A comparative analysis of the measures taken in Kazakhstan to protect the rights of a borrower with the system of the Russian Federation as the most approx-imate in terms of economic and social indicators. The main problems of the activi-ty of credit institutions on the territory of Kazakhstan and the Russian Federation were revealed and possible ways of their solution were found. It was concluded that nowadays the main problem of consumer lending is unfair lending by finan-cial organisations. It is necessary to adopt a separate law on consumer lending, which will ensure the protection of the interests of borrowers.
银行体系是经济中的一个关键环节。作为人权保护的保障者,国家必须确保公民福祉的增长,包括向民众提供负担得起的廉价消费贷款。哈萨克斯坦共和国公民无担保消费贷款的债务水平增加,因此必须减轻人民对信贷机构的债务负担。这项研究的目的是比较哈萨克斯坦共和国和俄罗斯联邦在向个人提供贷款方面的立法和适用银行立法的可持续性的做法。文章描述了哈萨克斯坦共和国银行立法的可持续性,描述了主要的立法改革,其实施和后果。对哈萨克斯坦为保护借款人权利所采取的措施进行比较分析,在经济和社会指标方面,俄罗斯联邦制度是最接近的。会议揭示了哈萨克斯坦和俄罗斯联邦境内信贷机构活动的主要问题,并找到了解决这些问题的可能途径。结论是,目前消费贷款的主要问题是金融机构的不公平贷款。有必要制定单独的消费者贷款法,以确保对借款人利益的保护。
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引用次数: 0
Project management in the context of digital transformation of the economy for the sustainable development of Kazakhstan 在哈萨克斯坦可持续发展的经济数字化转型背景下的项目管理
Pub Date : 2022-01-01 DOI: 10.3280/riss2021-002016
Askar B. Sembin, Leila A. Tussupova, Irina V. Selezneva, Marina V. Shtiller, Madina S. Tulegenova
The Fourth Industrial Revolution and the introduction of the Industry 4.0 innova-tions create a unique opportunity for enterprises to increase productivity, opera-tional efficiency and rational use of resources, scale up successful pilot projects and acquire qualitatively new expertise for employees. The current stage of mod-ernisation of production can provide a significant impetus for economic growth and is a priority for governments and business leaders. Therefore, it is important to study project management strategies in the context of digital transformation in order to implement them in the enterprises of Kazakhstan. The purpose of the pa-per is to investigate the features and specifics of project management in modern conditions and search for methods of sustainable development of the state. The leading research method was the analysis, which made it possible to identify global trends in the field of project management for the implementation of innovations, as well as to assess the current state of enterprises in Kazakhstan after the Gov-ernment of the Republic of Kazakhstan approved the State Program "Digital Ka-zakhstan". As a result of the study, the features of project management for creat-ing a platform for the implementation of the Industry 4.0 for sustainable devel-opment of the state were identified. The authors concluded that the knowledge in-tensive business services need a deep understanding of user preferences and needs. Data-driven business models are the entry point for the digital transformation of enterprises.
第四次工业革命和工业4.0创新的引入为企业提高生产力、运营效率和合理利用资源、扩大成功的试点项目规模和为员工获得定性的新专业知识创造了独特的机会。当前阶段的生产现代化可以为经济增长提供重要动力,是各国政府和商界领导人的优先事项。因此,研究数字化转型背景下的项目管理策略,以便在哈萨克斯坦企业中实施是非常重要的。本文旨在探讨现代条件下项目管理的特点和特点,探索国家可持续发展的途径。主要的研究方法是分析,这使得有可能确定实施创新的项目管理领域的全球趋势,以及在哈萨克斯坦共和国政府批准国家计划“数字ka - Kazakhstan”后评估哈萨克斯坦企业的现状。通过研究,确定了项目管理的特点,以创建一个实施工业4.0的平台,促进该州的可持续发展。作者得出结论,知识密集型业务服务需要深入了解用户偏好和需求。数据驱动的商业模式是企业数字化转型的切入点。
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引用次数: 0
Understanding new media and participatory culture: Well-being or ill-being? 理解新媒体和参与式文化:幸福还是不幸?
Pub Date : 2022-01-01 DOI: 10.3280/riss2021-002023
M. Baranowski
This article deals with participatory culture through the prism of new media, identi-fied as standard with the development of information and communication tech-nologies (ICT) and information technology (IT). These technologies (co-)constitute the foundation of the network society, also referred to as the information society, and influence the economy and - undoubtedly - the cultural sphere. The main re-search problem posed in this article concerns reflections on participation patterns mediated by the new media in the context of psychological well-being and its op-posite the state of ill-being. This task requires a redefinition of the notions of par-ticipatory culture and new media and the adoption of specific determinants of well-being and ill-being, which - unlike in the case of the psychology of happiness - is concretised through sociologically understood categories of redistribution and recognition.
本文通过新媒体的棱镜来讨论参与性文化,随着信息和通信技术(ICT)和信息技术(IT)的发展,参与性文化被确定为标准。这些技术(共同)构成了网络社会的基础,也被称为信息社会,并影响着经济,当然也影响着文化领域。本文提出的主要研究问题是对心理健康及其相反状态下新媒体介导的参与模式的思考。这项任务需要重新定义参与性文化和新媒介的概念,并采用幸福和不幸福的具体决定因素,与幸福心理学的情况不同,这些决定因素是通过社会学上理解的再分配和承认类别具体化的。
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引用次数: 2
Development of a customised model of integrated marketing communications for the economic well-being of the enterprise 为企业的经济福祉开发定制的整合营销传播模型
Pub Date : 2022-01-01 DOI: 10.3280/riss2021-002011
Amina K. Rakhmanova, Madina R. Smykova, Gulnara B. Rakhmanova
In modern marketing theory, marketing communications have adopted a more extended interpretation called customisation. This is the subject of further consid-eration of integrated marketing communications as a systematic approach to do-ing business, which allows making the most of all available business tools today. The purpose of the research was to solve the problems of integrated marketing communications related to the organisation of planning and management, ensur-ing the priority of consumer opinion, creation of individualised goods and services. Customisation is based on completing consumer goods with individual elements, component modules or additional exclusive accessories ordered by customers, whose demands are growing and changing. Customisation is understood not only as ensuring that a product or service meets the needs of a specific consumer, but also as designing them together with a future buyer. The article presents a custom-ised model of integrated marketing communications, which can be used by entre-preneurial structures of the restaurant business in the process of forming a com-plex of marketing communications to ensure the savings of their financial and or-ganisational resources, which lead the economic well-being of the enterprise. Based on the analysis, a formula for a customised model of integrated marketing com-munications was derived, which is based on the dynamics of the stages of the formation of IMC. It was concluded that the authors' model of integrated market-ing communications can be used to ensure the financial savings and economic well-being of enterprise.
在现代营销理论中,营销传播采用了一种更广泛的解释,称为定制。这是进一步考虑整合营销传播作为一种做生意的系统方法的主题,它可以使今天所有可用的商业工具发挥最大作用。该研究的目的是解决整合营销传播中与组织规划和管理相关的问题,确保消费者意见的优先权,创造个性化的商品和服务。定制是根据客户的需求不断增长和变化,用客户订购的单个元件、组件模块或额外的独家配件完成消费品。定制不仅被理解为确保产品或服务满足特定消费者的需求,而且还被理解为与未来的买家一起设计它们。本文提出了一个定制的整合营销传播模型,该模型可用于餐饮业的创业结构在形成营销传播综合体的过程中,以确保其财务和组织资源的节省,从而导致企业的经济福祉。在此基础上,基于整合营销传播形成阶段的动态,推导出了整合营销传播的定制模型公式。研究结果表明,本文所建立的整合营销传播模型能够保证企业的财务节约和经济效益。
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引用次数: 0
Control and supervisory function of the National Ombudsman in the activities of law enforcement agencies aimed to ensure the well-being of society 国家监察专员在执法机构活动中的控制和监督职能,旨在确保社会福利
Pub Date : 2022-01-01 DOI: 10.3280/riss2021-002012
Kuan E. Sarybayev, Kanat S. Lakbaev, Akif F. Suleimanov, Ruslan K. Jiyembaev, Gulnara M. Rysmagambetova
The institution of the Ombudsman in national human rights protection systems plays a significant role in the implementation of the rule of law. The rule of law is a fundamental legal principle of sustainable development. All citizens have equal rights that guarantee the well-being of society. Disclosure of the essence of the in-stitution of the Ombudsman, determination of its legal nature is impossible without its functional characteristics, which is also important for the practice of state and legal development, increasing the efficiency of the implementation of state func-tions. The purpose of this study is to analyse the experience of foreign countries regarding the organisation of the Ombudsman's control and oversight function and formulate proposals aimed at improving the institution of the Ombudsman in Kazakhstan on this basis. The study uses theoretical, general scientific, and special research methods. First of all, the composition of law enforcement agencies was determined, including its structural features in Kazakhstan, and their functional purpose. The regulated control and supervisory powers are outlined to suppress il-legal actions of law enforcement agencies. The typologisation of the system for the implementation of the control and supervisory function in the activities of law enforcement agencies was carried out according to its subject composition. The structural and functional features of all the noted forms and levels of implementa-tion of the control and oversight function are considered, with the allocation of the Commissioner for Human Rights in Kazakhstan as the leading subject. The analy-sis of the dynamics of quantitative and qualitative indicators of the activities of the Ombudsman of Kazakhstan in the process of implementing the control and supervisory function in the activities of law enforcement agencies. The national preventive mechanism as one of the forms of public control of the institutions of the law enforcement system of Kazakhstan is investigated, the effectiveness of its implementation is assessed.
在国家人权保护制度中设立监察员制度在实施法治方面发挥着重要作用。法治是可持续发展的一项基本法律原则。所有公民都享有保障社会福祉的平等权利。揭示监察员制度的本质,确定其法律性质,离不开其职能特征,这对于国家实践和法制发展,提高国家职能的执行效率也具有重要意义。这项研究的目的是分析外国在组织监察专员的控制和监督职能方面的经验,并在此基础上提出旨在改进哈萨克斯坦监察专员机构的建议。本研究采用理论方法、一般科学方法和特殊研究方法。首先,确定了执法机构的组成,包括其在哈萨克斯坦的结构特点及其职能目的。概述了管制和监督权力,以抑制执法机构的违法行为。在执法机构的活动中执行控制和监督职能的系统的分类是根据其主题组成进行的。审议了执行控制和监督职能的所有上述形式和级别的结构和职能特点,并以哈萨克斯坦人权事务专员的分配为主要议题。在执行对执法机构活动的控制和监督职能的过程中,分析哈萨克斯坦监察员活动的数量和质量指标的动态。对国家预防机制作为哈萨克斯坦执法系统机构的公共控制形式之一进行了调查,并对其实施的有效性进行了评估。
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引用次数: 1
Comparative analysis of issues of the legal mechanism of consumer protection in Kazakhstan and foreign countries based on the norms of sustainable development 基于可持续发展规范的哈萨克斯坦与国外消费者保护法律机制问题比较分析
Pub Date : 2022-01-01 DOI: 10.3280/riss2021-002014
Assel O. Syurikpayeva, Zhazira O. Omirali, Nurgul E. Baigelova, Sovetzhan A. Yntymakov, Elmira B. Kurmanaliyeva
Globalisation and liberalisation of trade and business around the world have made many goods and services available to consumers anywhere in the world. Econom-ic growth has been described by an increase in the purchasing power of the middle class, which is the largest consumer segment of the population. This required an emphasis on consumer protection and the promotion of responsible consumer movement around the world. The purpose of the research is to analyse the prob-lems of the legal mechanism for protecting consumer rights based on the norms of sustainable development, identify and disclose modern problems related to the le-gal status of this area. The main method of the research was comparative analysis which allowed to compare the regional mechanisms for protecting consumer rights, considering the economic and political factors inherent in each of the countries. The conducted study allowed to reveal legal approaches to the study of consumer protection, to analyse the relevant current legislative framework. It is substantiated that the issues of consumer protection are given due attention in many countries. It was concluded that during the development of the latest corrective legislative acts governing consumer protection mechanisms in the countries of the European Union, the Republic of Kazakhstan and India, the positive aspects of world experience, the content of these legal documents were considered. The content of the said legal documents was based on the UN principles of consumer protection, which indicates a significant contribution of the above countries to the perfor-mance of the obligations to guarantee the consumers their fundamental rights.
全球贸易和商业的全球化和自由化使世界各地的消费者都能获得许多商品和服务。经济增长被描述为中产阶级购买力的提高,中产阶级是人口中最大的消费群体。这需要强调保护消费者和促进世界各地负责任的消费者运动。研究的目的是分析基于可持续发展规范的消费者权益保护法律机制存在的问题,识别和揭示与该领域法律地位相关的现代问题。研究的主要方法是比较分析,考虑到每个国家固有的经济和政治因素,可以比较保护消费者权利的区域机制。这项研究揭示了研究消费者保障的法律途径,并分析了相关的现行立法框架。事实证明,消费者保护问题在许多国家都得到了应有的重视。会议的结论是,在制定欧洲联盟、哈萨克斯坦共和国和印度等国保护消费者机制的最新纠正性立法时,审议了世界经验的积极方面和这些法律文件的内容。上述法律文件的内容以联合国消费者保护原则为基础,这表明上述国家对履行保障消费者基本权利的义务作出了重大贡献。
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引用次数: 0
The role of international standards in improving labour law of the Republic of Kazakhstan to ensure the well-being of society 国际标准在改进哈萨克斯坦共和国劳动法以确保社会福利方面的作用
Pub Date : 2022-01-01 DOI: 10.3280/riss2021-002004
Y. Buribayev, Elina P. Kim, Elmira Kenzhibekova, Malik Shaigaliyev
The striving of the Republic of Kazakhstan for international integration and entry into influential international structures is impossible without the introduction of advanced experience in the field of labour law. Therewith, the labour law of each country is a unique and very broad branch of law; therefore, for the purposes of this study, such parameters as wages, provisions on weekends and holidays, as well as the issue of concluding and terminating an employment contract as the most fundamental labour law issues. To achieve the objectives of the study, the comparative method is used as the main one, both in horizontal and vertical as-pects. At the same time, the classical inductive method is used to formulate many provisions as an addition. For comparison, the authors of the study take the expe-rience of the United States, Russia, and China as the main trading partners of Ka-zakhstan, relations with which are of decisive importance for the country. From the stated provisions, it was concluded that the labour law of the Republic of Ka-zakhstan is quite progressive, although they need to be adjusted. Among the ana-lysed provisions, first of all, it is necessary to correct the size of the minimum wage, as the most important economic and legal indicator, and also to consider the pos-sibility of extending the minimum paid leave from 24 to 28 days. Therewith, the provisions on a written employment contract and the protection of employees from unjustified dismissal are quite progressive.
如果不引进劳动法领域的先进经验,哈萨克斯坦共和国就不可能努力融入国际社会并加入有影响的国际结构。因此,每个国家的劳动法都是一个独特而非常广泛的法律部门;因此,为了本研究的目的,工资、周末和节假日的规定以及劳动合同的订立和终止问题等参数作为最基本的劳动法问题。为了达到研究的目的,本文主要采用比较法,从横向和纵向两个方面进行研究。同时,采用经典的归纳法对许多规定进行了补充。为了进行比较,本研究的作者以美国、俄罗斯和中国作为哈萨克斯坦的主要贸易伙伴的经验为例,与这些贸易伙伴的关系对该国具有决定性的重要性。根据所述的规定,得出的结论是,哈萨克斯坦共和国的劳工法是相当进步的,尽管它们需要加以调整。在分析的条款中,首先,有必要纠正作为最重要的经济和法律指标的最低工资的大小,并考虑将最低带薪休假从24天延长到28天的可能性。因此,关于书面雇佣合同和保护雇员免受无理解雇的规定是相当进步的。
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引用次数: 0
Ensuring the competitiveness and the sustainability of railway enterprises in a crisis environment 确保铁路企业在危机环境下的竞争力和可持续性
Pub Date : 2022-01-01 DOI: 10.3280/riss2021-002017
Volodymyr L. Dykan, Olena H. Kirdina, Iryna V. Tokmakova, Myroslava V. Korin, Hanna V. Obruch
The article is devoted to theoretical, methodological and practical research of the problem of ensuring the competitiveness and the sustainability of railway transport enterprises in conditions of the deep socio-economic and political crisis in Ukraine. It was established that in modern crisis conditions, in order to ensure a stable competitive position in the passenger and freight transport market, railway transport enterprises should focus on the systematic introduction of innovations, improving management methods, and enhance the quality of business processes. The definition of the concept of "competitiveness of railway transport enterprises" was clarified by summarizing scientific works and studying the competitive ad-vantages of industry enterprises. The main requirements of consumers for the ser-vices of railway transport enterprises are systematized, the consideration of which in the process of transport services will contribute to increasing the competitive ad-vantage of railway enterprises. An algorithmic sequence of benchmarking for rail-way transport enterprises was created in the article. An innovative model for ensur-ing the competitiveness and the sustainability of railway transport enterprises has been developed, which contributes to their adaptation to a dynamic external envi-ronment by organizing the continuity of innovative development aimed at finding and constantly introducing innovations as a basis for the formation of sustainable competitive advantages by railway transport enterprises in a crisis environment. It has been proved that the effectiveness of the implementation of this model de-pends on the balanced functioning of all its elements and taking into account the operational and strategic goals of the innovative development of railway transport enterprises.
本文致力于在乌克兰深刻的社会经济和政治危机的条件下确保铁路运输企业的竞争力和可持续性问题的理论,方法和实践研究。本文认为,在现代危机条件下,铁路运输企业要在客货运输市场中保持稳定的竞争地位,应注重系统地引进创新,改进管理方法,提高业务流程质量。通过总结科学工作,研究行业企业竞争优势,明确了“铁路运输企业竞争力”概念的定义。将消费者对铁路运输企业服务的主要需求系统化,在运输服务过程中考虑到这些需求,将有助于提高铁路企业的竞争优势。建立了一套适用于铁路运输企业的对标算法序列。建立了保障铁路运输企业竞争力和可持续性的创新模式,通过组织创新发展的连续性来适应动态的外部环境,发现并不断引入创新,为铁路运输企业在危机环境中形成可持续的竞争优势奠定基础。实践证明,该模式实施的有效性取决于其各要素的均衡运作,并考虑到铁路运输企业创新发展的经营目标和战略目标。
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引用次数: 0
Sustainable corporate development and management models 可持续的企业发展和管理模式
Pub Date : 2022-01-01 DOI: 10.3280/riss2021-002022
O. Dobrovolskaya, N. Stovolos, A. Lipatov, U. Borisova, Oleg N. Volodin
The central aim of this study was to create a vector typology of corporate development models in the context of sustainability. The methodological basis for its achievement was represented by a systematic review of the literature describing the origins of sustainability models and the identification of the most prioritized SDGs in business and society. As the central methodological tools to determine a competitive sustainability model, classification analysis and grounded theory method were used. The research revealed that the stakeholder-centered model is the best solution to perform competitive corporate management in the context of sustainability. Stakeholder-centered model can be expanded by including social and ethical parameters, as well as giving consideration to innovations.
本研究的中心目的是在可持续发展的背景下创建企业发展模式的矢量类型。其成就的方法论基础是对描述可持续发展模型起源的文献进行系统回顾,并确定了商业和社会中最优先的可持续发展目标。作为确定竞争可持续性模型的中心方法工具,分类分析和扎根理论方法被使用。研究发现,在可持续发展的背景下,以利益相关者为中心的模式是实施竞争性企业管理的最佳解决方案。以利益相关者为中心的模式可以通过包括社会和道德参数以及考虑创新来扩展。
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引用次数: 1
Methods of implementation of the U.S. policy to ensure the sustainable development of the post-Soviet states 美国确保后苏联国家可持续发展的政策的实施方法
Pub Date : 2022-01-01 DOI: 10.3280/riss2021-002010
A. Askerbek, Ardak M. Yesdauletova, G. Ibragimova, Dana K. Akhmedyanova, Sagdat Adilbekov
The main aim of the article was to determine the key ways in which the United States of America conducts its foreign policy in the post-Soviet countries. The methods of observation, comparative analysis, and the principle of chronological sequence were used to study the U.S. foreign policy and its implementation. The article was based on empirical research methods, studying facts and analysing causes and consequences of the countries policy. Firstly, the authors highlight the ways of economic cooperation, exactly, the activities of transnational corpora-tions in the former socialist republics. In addition, the authors characterized the influence of transnational corporations. Secondly, it was pointed out that the U.S. actively implemented such method as support "colour revolutions" in the process of pursuit of their political interests in the post-Soviet territory. Thirdly, the United States seeks to establish ties with the countries of the former Soviet Union, primari-ly Central Asia, to ensure security in the region and in Afghanistan. The C5+1 initi-ative, Northern Distribution Network, were developed for greater involvement in security issues. Fourthly, following the principles of "soft power", American politi-cians actively use the tools of public diplomacy, communication, support of civil society.
这篇文章的主要目的是确定美利坚合众国对后苏联国家实施外交政策的关键方式。运用观察法、比较分析法和时间顺序法对美国外交政策及其实施进行了研究。本文采用实证研究方法,研究事实,分析国家政策的前因后果。首先,作者强调了经济合作的方式,确切地说,跨国公司在前社会主义共和国的活动。此外,作者还描述了跨国公司的影响。其次,指出美国在后苏联领土上追求政治利益的过程中,积极实施了支持“颜色革命”等手段。第三,美国寻求与前苏联国家,主要是中亚国家建立关系,以确保该地区和阿富汗的安全。C5+1倡议,即北方分销网络,是为了更多地参与安全问题而制定的。第四,遵循“软实力”原则,美国政治家积极运用公共外交、沟通、公民社会支持等工具。
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引用次数: 0
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