Управление рисками при банковском кредитовании предприятий
The article analyzes the current forms of support for investment lending, their advantages and disadvantages from the position of involving a wide range of agricultural producers in the innovation and investment process. A new mechanism for state regulation of investment lending in the agricultural sector is proposed, which can increase the stability, uniformity and development rate of agricultural production sectors in the regions of Russia. The analysis of investment process dynamics in agriculture with the beginning of realization of the Priority national project "Development of agriculture" found significant disparities of investment attraction between agricultural producers, sub-sectors and regions, which leads to unevenness in the pace and reduce resistance development of agriculture. Current forms of support for agricultural lending have led to increased market power among certain industry participants. The development of economic mechanism of investment lending for agriculture based on the implementation of «the principle of optimum output» from banks to agricultural producers significantly expands the number of active participants of innovation and investment development, involves in the process of technology implementation the major share of agricultural producers regardless of their size and legal form.
Smoking is a problem, bringing signifi cant social and economic costs to Russiansociety. However, ratifi cation of the World health organization Framework conventionon tobacco control makes it possible to improve Russian legislation accordingto the international standards. So, I describe some measures that should be taken bythe Russian authorities in the nearest future, and I examine their effi ciency. By studyingthe international evidence I analyze the impact of the smoke-free areas, advertisementand sponsorship bans, tax increases, etc. on the prevalence of smoking, cigaretteconsumption and some other indicators. I also investigate the obstacles confrontingthe Russian authorities when they introduce new policy measures and the public attitudetowards these measures. I conclude that there is a number of easy-to-implementanti-smoking activities that need no fi nancial resources but only a political will.
One of the most important indicators of company's success is the increase of its value. The article investigates traditional methods of company's value assessment and the evidence that the application of these methods is incorrect in the new stage of economy. So it is necessary to create a new method of valuation based on the new main sources of company's success that is its intellectual capital.