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WAYS OF DEVELOPMENT OF INVESTMENT LIFE INSURANCE IN RUSSIA 俄罗斯投资人寿保险的发展途径
Pub Date : 2021-10-05 DOI: 10.22213/2618-9763-2021-3-27-33
M. D. Zabbarova, S. Firsova
The declining state of the financial market in recent years has strengthened the population's distrust of various financial instruments. Many continue to keep money in cash and in bank deposits, but this does not generate income, or it only covers inflation. The state strives to create new investment solutions that will contribute to attracting money from the population to the economy. Investment life insurance is a significant factor in the development of the national economy, since insurers' funds are directed to investments in government securities and shares and bonds of Russian companies. The mandatory risks included in the ILI agreement are the survival of the insured person, as well as his death. The sum insured upon the occurrence of the risk is paid in 100% of the insurance premiums paid, plus the investment income accumulated by the time of the death of the insured is charged. The article discusses the main problems of reducing the demand for investment life insurance, as well as the ways of its development. Including the main problem with not receiving income from investments. It is proposed to introduce a minimum rate of return, which will have a positive effect on the credit of trust of the insurance company.
近年来金融市场的衰退加剧了人们对各种金融工具的不信任。许多人继续把钱以现金和银行存款的形式存在,但这并不能产生收入,或者只能弥补通货膨胀。国家努力创造新的投资解决方案,将有助于吸引资金从人口到经济。投资人寿保险是国民经济发展的一个重要因素,因为保险公司的资金直接投资于政府证券和俄罗斯公司的股票和债券。包括在ILI协议中的强制性风险是被保险人的生存,以及他的死亡。自风险发生之日起,按已付保险费的100%加被保险人死亡时累计的投资收益给付保险金额。本文论述了减少投资寿险需求的主要问题,以及投资寿险发展的途径。包括没有从投资中获得收入的主要问题。建议引入最低收益率,对保险公司的信托信用有积极的影响。
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引用次数: 0
REVIEW OF THE ENVIRONMENTAL SITUATION IN THE VOLGA FEDERAL DISTRICT (BASED ON STATISTICAL DATA ON EMISSIONS OF POLLUTANTS TO AT-MOSPHERIC AIR AND WATER) 伏尔加联邦区环境状况审查(根据向大气层空气和水中排放污染物的统计数据)
Pub Date : 2021-06-26 DOI: 10.22213/2618-9763-2021-2-25-30
N. Sokolova, N. Kiseleva
Economic growth is the main task of any state. It involves increasing the rate of production, which has a negative impact on nature. The paper examines the ecological situation in the constituent entities of the Volga Federal District on the basis of statistical data on emissions of pollutants into the air and water. This region is one of the leaders in terms of industrial production, therefore the constant problems of air pollution are relevant for the territory and require constant intervention from the state and the whole society. Environmental problems have their consequences, they affect not only nature, but also the socio-economic sphere, which in turn is directly related to the investment attractiveness of the region. The investment attractiveness of the region is an important resource that is necessary for economic growth, in many respects it is he who is an indicator of the state of the regional economy and the effectiveness of the environmental and economic management of the regional government. The article not only analyzes the ecological situation of the region and its subjects, but also substantiates the need for further study of the problems in order to identify regions in which the practices of environmental and economic management have developed, with the aim of their application in subjects with environmental problems, which will allow attracting investors in the future and improve social and economic development.
经济增长是任何国家的主要任务。它涉及提高生产率,这对自然有负面影响。本文根据污染物排放到空气和水中的统计数据,研究了伏尔加河联邦区各组成实体的生态状况。该地区在工业生产方面处于领先地位,因此空气污染的持续问题与该地区有关,需要国家和整个社会的不断干预。环境问题有其后果,它们不仅影响自然,而且影响社会经济领域,而社会经济领域又直接关系到该区域的投资吸引力。区域的投资吸引力是经济增长所必需的重要资源,在许多方面,它是区域经济状况和区域政府环境和经济管理有效性的指标。本文不仅分析了该地区及其主体的生态状况,而且指出了进一步研究问题的必要性,以便找出环境和经济管理实践发展的地区,并将其应用于有环境问题的主体,从而吸引未来的投资者,促进社会和经济的发展。
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引用次数: 0
MANAGEMENT OF LABOR COLLECTIVES, WORKING CREW METHOD (on the example of the company “Weatherford”) 劳动集体管理、班组法(以威德福公司为例)
Pub Date : 2021-06-26 DOI: 10.22213/2618-9763-2021-2-31-36
M. N. Tarasov, R. Galiakhmetov
The labor market in the Russian Federation shows a surge of vacancies in the oil and gas industry; there is a lot of competition among job applicants. The peculiarities of work at oil and gas enterprises are revealed, this specificity of the work lies in the fact that the development of fields is located in remote regions of the country, where there is almost no population, therefore, enterprises are forced to send employees to their workplaces using a rotational work method. The rotational work method carries some of the features that the employer must decide. Special requirements must be applied to shift personnel, in addition to their qualifications and work experience, their psychological characteristics must be taken into account, because a shift involves long-term work in harsh natural conditions, a limited circle of friends. Working on a rotational basis requires workers to be particularly precise in their work and is extremely dangerous. It is important for enterprise managers to take all possible measures to create a comfortable environment for employees and to prevent any failures and harmonize the psychological state of employees. The oil and gas industry needs highly qualified personnel and extensive experience. But the analysis of the labor market suggests that there are problems with labor resources, there are problems with personnel in the oil and gas industry. Let us consider the problems faced by enterprises operating in the raw materials industry on the example of the international company “Weatherford International Ltd”.
俄罗斯联邦的劳动力市场显示,石油和天然气行业的职位空缺激增;求职者之间的竞争很激烈。揭示了石油和天然气企业工作的特殊性,这种工作的特殊性在于油田的开发位于该国的偏远地区,那里几乎没有人口,因此,企业被迫将员工以轮岗的方式派往工作场所。轮岗工作制具有雇主必须决定的一些特点。对倒班人员必须适用特殊要求,除了他们的资质和工作经验外,还必须考虑到他们的心理特点,因为倒班涉及到长期在恶劣的自然条件下工作,朋友圈有限。在轮岗的基础上工作要求工人在工作中特别精确,而且非常危险。对于企业管理者来说,采取一切可能的措施为员工创造一个舒适的环境,防止任何失败,协调员工的心理状态是很重要的。石油和天然气行业需要高素质的人才和丰富的经验。但对劳动力市场的分析表明,劳动力资源存在问题,石油和天然气行业的人员存在问题。让我们以国际公司“威德福国际有限公司”为例来考虑从事原材料行业的企业所面临的问题。
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引用次数: 0
WAYS TO IMPROVE THE CONTRACT SYSTEM IN THE FIELD OF STATE (MUNICIPAL) PROCUREMENT 完善国家(市)采购合同制度的途径
Pub Date : 2021-06-26 DOI: 10.22213/2618-9763-2021-2-18-24
E. O. Sannikova, G. Onchukova
The system of state (municipal) procurement in force from 01.01.2014 to the present day was introduced by Federal Law No. 44 of 05.04.2013 “On the Contract System in the field of Procurement of goods, works, and services for State and Municipal Needs”. It is assumed that the creation of a contract system will allow to achieve maximum budget savings without losing the quality of meeting state needs, as well as increase the transparency of public procurement. Effective spending of budget funds has a direct impact on the sustainable development of the country's economy and the quality of life of the population. However, in practice, both suppliers and customers face problems that require special attention and immediate solutions. The article discusses the main problems of the contract system in the field of procurement, as well as ways to solve them. In particular, the problem of reducing the quality of meeting state and public needs is particularly acute. This confirms the relevance and necessity of developing recommendations for assessing the business reputation of public procurement suppliers. The advantage of the recommended methodology is the use of a complex indicator of qualitative and quantitative factors, as well as the ease of application for all subjects of the contract system.
从2014年1月1日至今生效的国家(市)采购制度是由2013年4月5日第44号联邦法“关于国家和市需要的货物、工程和服务采购领域的合同制度”引入的。人们认为,建立一种合同制度将能够在不丧失满足国家需要的质量的情况下最大限度地节省预算,并增加公共采购的透明度。预算资金的有效使用直接影响到国家经济的可持续发展和人民的生活质量。然而,在实践中,供应商和客户都面临着需要特别关注和立即解决的问题。本文论述了合同制度在采购领域存在的主要问题,以及解决这些问题的途径。特别是,降低满足国家和公众需要的质量的问题特别尖锐。这证实了为评估公共采购供应商的商业声誉制定建议的相关性和必要性。所建议的方法的优点是使用了一种质量和数量因素的复杂指标,并且易于适用于合同制度的所有主体。
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引用次数: 0
POSSIBILITIES OF CHANGING THE FORM OF OWNERSHIP (AT THE MUNICIPAL LEVEL) 改变所有制形式的可能性(在市政一级)
Pub Date : 2021-06-26 DOI: 10.22213/2618-9763-2021-2-13-17
E. Rozhkov
The possibility of legally regulating the relationship between the municipality and the owners of land plots (legal entities and individuals) and made recommendations to local authorities to resolve existing problems. The purpose of the study is to identify the essence of public administration of municipal property. The theoretical and methodological relevance of this work is that economists do not consider the issue of publicity in property management as a priority in modern realities. The work speaks of the need at the regional level to maintain an accounting and management policy for the management of state property in the context of digitalization. To study the problem, the author applied a comprehensive and methodological approach. It is concluded that ongoing institutional changes are currently taking place with very rapid changes. The article considers the prospects for the implementation of a grandiose project for the municipality of Perm. To increase the value of state property and its effective use, at the regional levels it is necessary to introduce digital processes to control state real estate (property and land) and its management (sale, lease) online. The conclusions proposed by the author can be included by the administration of the city of Perm in the perspective plan of socio-economic development until 2030.
对市政当局与土地所有者(法人和个人)之间的关系进行法律规范的可能性,并向地方当局提出解决现有问题的建议。本研究的目的在于厘清市政财产公共管理的本质。这项工作的理论和方法相关性在于,经济学家没有将物业管理中的公示问题视为现代现实中的优先事项。这项工作说明了在数字化背景下,需要在区域一级维护国有财产管理的会计和管理政策。为了研究这个问题,作者采用了全面的方法。结论是,目前正在进行的体制改革变化非常迅速。本文考虑了彼尔姆市实施一项宏伟项目的前景。为了增加国有财产的价值及其有效利用,有必要在区域一级引入数字流程来在线控制国有房地产(财产和土地)及其管理(销售,租赁)。作者提出的结论可以被彼尔姆市的管理部门纳入到2030年之前的社会经济发展远景规划中。
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引用次数: 0
LINGVO-STATISTICAL ANALYSIS OF THE OLD RUSSIAN ANTHOLOGY (RNL, F.p.I. 39) 古俄语选集的lingvo统计分析(RNL, F.p.I 39)
Pub Date : 2021-06-26 DOI: 10.22213/2618-9763-2021-2-50-60
V. Baranov, O. Zholobov
A linguistic analysis of 29 texts of the 13th century manuscript (the Tolstoy miscellany, RNL, F.p.I. 39), containing the original works of the ancient Russian author Kirill Turovsky and translations of the texts of Cyril of Jerusalem, John Chrysostom and unknown authors is presented. The objectives of the work are a) verification of the conclusions about the authorship of three anonymous texts of the manuscript attributed to Kirill Turovsky, made in the course of their previous analysis using traditional linguistic methods and correlation methods of statistics, and also b) establishing the possibility of using statistical methods to compare small texts. To measure the distance between the texts, the Delta method and its modification the Cosine-Delta were used, a different number of the most frequent words (from 50 to 250) of each of the texts were used. The data were extracted from the electronic edition of the Tolstoy miscellany. Calculations and construction of dendrograms were carried out using the Stylo package. Dendrogram analysis confirmed the findings of other studies: the three anonymous texts - Parable of Wisdom, Sermon on Pentecost and Sermon on the 5th Sunday after Easter - do not belong to Kirill Turovsky. The dependence of the grouping of texts on the size of the texts and applied methods was found. It was found that the cosine-Delta method, in contrast to the classical Delta, turns out to be insensitive to differences in the size of texts. In addition, an increase in the number of the most frequent words when using cosine-delta allows one to find a correlation between groupings of texts and their discursive and lexico-syntactic affinity.
对13世纪手稿的29个文本(托尔斯泰杂记,RNL, F.p.I 39)进行语言学分析,其中包含古代俄罗斯作家基里尔·图洛夫斯基的原创作品以及耶路撒冷的西里尔,约翰·金口斯托姆和未知作者的文本翻译。这项工作的目的是a)验证关于基里尔·图洛夫斯基(Kirill Turovsky)手稿的三个匿名文本的作者身份的结论,这些结论是在他们之前使用传统语言学方法和统计学的相关方法进行分析的过程中得出的,并且b)建立使用统计方法比较小文本的可能性。为了测量文本之间的距离,使用了Delta方法及其修改的cos -Delta,使用了每个文本中不同数量的最常见单词(从50到250)。这些数据摘自托尔斯泰杂集的电子版。使用Stylo软件包进行树形图的计算和构建。树形图分析证实了其他研究的发现:三篇匿名文本——《智慧的寓言》、《五旬节讲道》和《复活节后第五个主日讲道》——不属于基里尔·图洛夫斯基。发现文本分组依赖于文本的大小和应用方法。人们发现,与经典的Delta方法相比,余弦-Delta方法对文本大小的差异不敏感。此外,当使用余弦- δ时,最频繁的单词数量的增加允许人们发现文本分组及其话语和词汇句法亲和力之间的相关性。
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引用次数: 0
MERGING THE REAL AND THE VIRTUAL: IMPROVING THE INTELLECTUAL STRUCTURE OF THE SMART CITY 实与虚融合:完善智慧城市的智力结构
Pub Date : 2021-06-26 DOI: 10.22213/2618-9763-2021-1-37-42
N. N. Dmitrieva, K. M. Falaleeva, K. A. Zhuravleva
The improvement of the concept “Smart City” and its influence on the formation of real space through the introduction of information technology in the urban environment, especially in the era of large-scale crisis caused by pandemic is described. The urgency of the influence of the virtualization of urban space on the social life of the person, through research of strategies aimed at more effective meeting the needs of the population was substantiated. The necessity of introduction of information systems is shown, which contributes to the creation of safe, energy efficient and, at the same time, identical environment of cities. Advantages of human interaction with smart city system by means of personal devices, different software and user interfaces connected to information resources of the city are described. A number of foreign and domestic examples of newest cities with high level of digital technologies, which are the basis for creation and transformation of architectural and spatial integrity of the city are considered. The need for the process of virtualization of social interactions based on the search of appropriate principles for the organization of architectural space, taking into account the impact of network communications on various aspects of community life, increase of competitiveness of cities, with focus on human innovation development.
描述了通过在城市环境中引入信息技术对“智慧城市”概念的改进及其对现实空间形成的影响,特别是在流行病引起的大规模危机时代。通过对旨在更有效地满足人口需求的策略的研究,证实了城市空间虚拟化对人的社会生活的影响的紧迫性。说明了采用信息系统的必要性,这有助于创造安全、节能和同时相同的城市环境。描述了通过个人设备、不同软件和用户界面与城市信息资源相连接,实现人与智慧城市系统交互的优势。本文考虑了国内外一些具有高水平数字技术的最新城市的例子,这些例子是城市建筑和空间完整性的创造和转化的基础。需要在寻找适合建筑空间组织原则的基础上对社会互动过程进行虚拟化,考虑到网络通信对社区生活各个方面的影响,提高城市竞争力,注重人类创新发展。
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引用次数: 0
THE “DIGITAL TWIN” OF A BUILDING: THE DIFFERENCE FROM BIM TECHNOLOGIES, SOURCES OF EFFICIENCY OF USE IN HOUSING AND COMMUNAL SERVICES 建筑的“数字孪生”:与bim技术的区别,住房和公共服务使用效率的来源
Pub Date : 2021-06-26 DOI: 10.22213/2618-9763-2021-1-43-49
I. Ivanova, A. Y. Vasilyeva
This article examines the difference between digital counterparts and BIM technologies in terms of their role in design and construction, and their interaction with the environment. The features of the technologies are analyzed, as well as the sources of the effectiveness of the use of digital doubles in housing and communal services are considered. Building information modeling (BIM) is a technology that is based on the collection and processing of data on the architectural and planning, structural, economic, technological, and operational characteristics of an object. All the data embedded in the model interact and are connected to each other. This technology is an important step in the development of the digital, construction and economic industries. Allows you to focus on each section of the project in the information field and contributes to the improvement of the object management system. A digital double is a digital model that allows you to optimize your business, reflect the entire structure of the model, the technical condition, and also, through the use of analysis of physical and mathematical models, get a general idea of the construction object. In fact, a digital double is defined as an integrated virtual model of an object, obtained in the course of mathematical, physical, and intellectual analysis, which reflects the physical and technical condition of the object, its performance, and this together allows you to optimize the efficiency of financial investments. The creation of digital doubles is an integral part of the digital transformation of the Russian industry. This is quite a complex task, which involves solving serious financial costs, with painstaking selection and analysis of the results, comparing them with the costs. The economic effects of implementing implementation projects are manifested in the effective distribution and use of financial, material, technical and human resources and are achieved in several areas at once.
本文探讨了数字技术与BIM技术在设计和施工中的作用以及与环境的互动方面的区别。分析了这些技术的特点,并考虑了在住房和公共服务中使用数字替身的有效性的来源。建筑信息模型(BIM)是一种基于收集和处理一个对象的建筑和规划、结构、经济、技术和操作特征的数据的技术。模型中嵌入的所有数据相互作用并相互连接。这项技术是数字、建筑和经济行业发展的重要一步。使您能够专注于信息领域中项目的每个部分,有助于改进对象管理系统。数字替身是一种数字模型,它可以让你优化你的业务,反映模型的整个结构,技术条件,也可以通过对物理和数学模型的分析,得到建设对象的总体想法。事实上,数字替身被定义为一个对象的综合虚拟模型,它是在数学、物理和智力分析的过程中获得的,它反映了对象的物理和技术条件,它的性能,这些共同使您能够优化金融投资的效率。数字替身的创建是俄罗斯工业数字化转型的一个组成部分。这是一项相当复杂的任务,涉及到解决严重的财务成本,需要对结果进行艰苦的选择和分析,并将其与成本进行比较。实施实施项目的经济效果表现在财政、物资、技术和人力资源的有效分配和利用上,并同时在几个领域实现。
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引用次数: 0
FORMATION OF ENTREPRENEURIAL ECOSYSTEMS IN THE DEFENSE COMPLEX AS A WAY TO A SOFT CONVERSION 形成创业生态系统,以国防综合体为方式向软转型
Pub Date : 2021-06-26 DOI: 10.22213/2618-9763-2021-2-3-12
S. Zimin
The paper describes the current state of the military-industrial complex (hereinafter referred to as the defense industry complex) in Russia and the tendencies of its change at the present stage. Possible ways of development of enterprises of the defense industry of the Russian Federation on the path of conversion of the defense order are discussed. Conversion in this case is considered as a particular type of business diversification. The advantages and disadvantages of such diversification are described for the enterprise itself, which implements such a strategy. As a new way of development of defense industry enterprises in the context of the conversion of defense orders, it is proposed to build their own entrepreneurial ecosystems. An entrepreneurial ecosystem is understood as “a dynamically and jointly developing community, consisting of a variety of actors creating and receiving new content in the process of both interaction and competition”. This concept is useful specifically for defense industry enterprises at the present stage, since it offers a variant of their “soft” conversion and is especially suitable for large and medium-sized defense enterprises. The advantages and disadvantages of two possible ways of converting a defense order and switching to civilian production for defense industry enterprises are substantiated: contract production at defense facilities, or own developments. The differences in the economic component of each of the approaches are investigated and a conclusion is drawn.
本文介绍了俄罗斯军工联合体(以下简称国防工业联合体)的现状及其现阶段的变化趋势。探讨了俄罗斯联邦国防工业企业在国防秩序转型道路上发展的可能途径。在这种情况下,转换被认为是一种特殊类型的业务多样化。对企业自身实施多元化战略的利弊进行了阐述。构建自主创业生态系统是国防订单转换背景下国防工业企业发展的新途径。创业生态系统被理解为“一个动态的、共同发展的社区,由各种参与者在互动和竞争的过程中创造和接收新内容”。这个概念对现阶段的国防工业企业特别有用,因为它提供了其“软”转换的一种变体,特别适合大中型国防企业。论证了国防工业企业从国防订单转到民用生产的两种可能方式的利弊:在国防设施承包生产或自主开发。研究了每种方法的经济成分的差异,并得出结论。
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引用次数: 0
CHARACTERISTIC PROPERTIES OF DEFINITION PROBLEM OF LINGUISTIC TERMS WITH A METAPHORICAL BASIS AND AN INCONSTANT INNER FORM 以隐喻为基础,内部形式多变的语言术语定义问题的特征性质
Pub Date : 2021-06-26 DOI: 10.22213/2618-9763-2021-2-61-65
S. D. Zlivko
The article deals with the issues of practical development of the macrostructure of the author's electronic dictionary-reference, the materials of which are addressed to researchers, creators of terminological dictionaries, including electronic ones, students of linguistic specialties who study the development of Russian science in the 18th century, practical and computer lexicography. The main work procedures are: viewing and analyzing illustrative materials of the dictionary, searching for a term that defines the area (linguistics) and sub-area (prosody / versification; rhetoric; grammar, etc.) of scientific knowledge; establishment of lexical and semantic relationships of terms, characteristics of the main stages of its development (term, pre-term, competition of terms). Research results: substantiation of the need to include the metaphorical nominations of M. V. Lomonosov in the metalanguage of linguistics in order to popularize scientific linguistic knowledge; replenishment of the fund of the electronic linguistic dictionary being created; establishing the relationship of terms within their terminological field (generic, synonymous relations of terms); substantiation of the functions of one-component (one-word) and multicomponent terms; the study of the functioning of the terms, which are based on common vocabulary; studying the main factors of text formation, including those ones that emphasize the individual features of scientific speech, its creative element, figurative potential, as well as additional factors of text formation associated with linguistic categories such as evaluation, emotion.
本文论述了作者的电子词典——参考词典的宏观结构的实际发展问题,参考词典的材料面向研究者、术语词典(包括电子术语词典)的创造者、研究18世纪俄语科学发展的语言学专业学生、实用词典学和计算机词典学。主要工作流程是:查看和分析词典的说明材料,搜索定义该领域(语言学)和子领域(韵律/诗体)的术语;修辞;语法等)的科学知识;词汇和语义关系的建立及其发展的主要阶段(术语、前术语、术语竞争)的特征。研究结果:证实了在语言学元语言中纳入罗蒙诺索夫的隐喻提名以普及科学语言知识的必要性;补充正在编制的电子语言词典的经费;建立术语在其术语领域内的关系(术语的一般、同义关系);单成分(单字)词与多成分词功能的确证以常用词汇为基础的词汇功能的研究;研究语篇形成的主要因素,包括强调科学言语的个体特征、创造性因素、比喻潜力的因素,以及与评价、情感等语言范畴相关的语篇形成的附加因素。
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引用次数: 0
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Social’no-ekonomiceskoe upravlenie: teoria i praktika
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