О МОДЕЛЯХ ДИАГНОСТИКИ СОСТОЯТЕЛЬНОСТИ ПРЕДПРИЯТИЙ МАЛОГО И СРЕДНЕГО БИЗНЕСА
Purpose: Life satisfaction is an important social indicator of life quality of the population. Modern researches show that income is one of the most significant components of life satisfaction. The article describes the Easterlin paradox with regard to Russia, provides a statistical analysis of the relationship income, wealth and the level of life satisfaction in Russia. The article presents the main theoretical concepts which used in the economics of happiness and for analysis of empirical models. Methods. Еconometric methods and statistical analysis (cluster analysis and a binary choice models) are used. To evaluate the income effect on life satisfaction in Russia marginal effects of income and probability increment of life satisfaction were estimated based on binary choice model of RLMS for 2012. Results: А family, gender (men are happier than women), good health, own car has a positive effect on life satisfaction. On average income has a positive effect on life satisfaction, but this effect is nonlinear. The results confirm the adaptation effect with saturation point in 60000 rub.
The comparative analysis of the age impact on the happiness in Russia and European countries were conducted. The European Social Survey data for 29 countries in 2012 were used. On the basis of the ordered logistic regression U-relationship between age and happiness were obtained for each analyzed countries. By using cluster analysis all countries were divided into several groups, in which the age effect varies greatly. Russia was in a cluster of countries where the level of happiness continues to decline for the older age group (over 60 years). The socio-economic determinants of happiness were also analyzed in different age groups. Income satisfaction and health status were more significant characteristics.
Purpose: During the last decades around the world well-being of the population, the quality of life of citizens is a priority direction of the state policy. Self-esteem happiness of individuals may provide some an indicator of prosperous life in the country. The article describes the main theoretical concepts used in the economy of happiness, based on which we produced and analyzed empirical models. Methods: Modern econometric methods and statistical data allow to answer the question what makes a man (un)happy. The study used multinomial response models and models of binary choice to identify the determinants that explain the level of happiness for the Russian and analyzed the effects of the influence of the most important factors such as income, education, children, marital status, based on the RLMS for 2011. Results: For the subsample of Russian some factors have positive effect on happiness levels such as income, marital status (married people happier than ever married), gender (men are happier than women). At the same time factors such as age, children, health problems and the presence of harmful habits (smoking) have a negative effect.
The paper examines the structure, governance, and balance sheets of state-controlled banks in Russia, which accounted for over 55 percent of the total assets in the country's banking system in early 2012. The author offers a credible estimate of the size of the country's state banking sector by including banks that are indirectly owned by public organizations. Contrary to some predictions based on the theoretical literature on economic transition, he explains the relatively high profitability and efficiency of Russian state-controlled banks by pointing to their competitive position in such functions as acquisition and disposal of assets on behalf of the government. Also suggested in the paper is a different way of looking at market concentration in Russia (by consolidating the market shares of core state-controlled banks), which produces a picture of a more concentrated market than officially reported. Lastly, one of the author's interesting conclusions is that China provides a better benchmark than the formerly centrally planned economies of Central and Eastern Europe by which to assess the viability of state ownership of banks in Russia and to evaluate the country's banking sector.
The paper examines the principles for the supervision of financial conglomerates proposed by BCBS in the consultative document published in December 2011. Moreover, the article proposes a number of suggestions worked out by the authors within the HSE research team.