Страхование как инструмент снижения рисков деятельности платежных систем

Publications

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Страхование как инструмент снижения рисков деятельности платежных систем

Финансы и кредит. 2018. Т. 24. № 7. С. 1621–1634.

Larionov A.

Priority areas: economics state and public administration

Hybrid Competition under Fragmented Demand and Limited Consumer Choice

Bogatyrev R., Sandomirskaia M., / NRU Higher School of Economics. Series EC "Economics". 2026. No. 19(1).

This work develops a tractable model of price competition in fragmented markets where consumers consider both local and distant varieties, with cross-regional purchases subject to stochastic costs. Global competition and full localization emerge as polar cases; hybrid competition is not merely intermediate and exhibits distinctive features such as an endogenous price ceiling and non-monotonic entry ...

Added: June 11, 2026

How Universal is the Cool Water Effect? Evidence from the Unlikely Case of Russia

Kravtsova M., Musaev A. U., Welzel C., / Series "SSRN Working Paper Series". 2026.

Elaborating on Welzel et al.'s "Cool Water Theory," our study zooms into the more limited (albeit still varied) framework conditions of Russia's huge territory. Within Russia's confines, we examine how the combination of moderately cool seasons with steady rain (i.e., Cool Water) affects sub-national areas' contemporary societal progress in two modernization indicators: material prosperity in ...

Added: June 3, 2026

Финансовая грамотность и ответственное финансовое поведение российских домохозяйств

Синяков А. А., Зверева В., Шелованова Т. И., / Центральный банк Российской Федерации. Серия 132 / 2024 "Серия докладов об экономических исследованиях". 2024. № 132.

At the end of 2023, Russia updated its Strategy for Improving Financial Literacy and Developing Financial Culture Until 2030. Unlike the previous strategy, the current strategic goals include not only financial literacy but also financial culture. ‘Culture’ is normative and socially preferred behaviour. The updated strategy brings into focus the relationship between financial literacy and responsible financial behaviour. To explore this relationship, the authors rely on data from the All-Russian Survey of Consumer Finance (2020 and 2022). Socially ...

Added: June 1, 2026

Почему растущие доходы не делают людей счастливее: эмоциональное объяснение парадокса Истерлина (Why Growing Incomes Do Not Make People Happier: an Emotional Explanation of the Easterlin Paradox)

Vorchik A., / SSRN. Серия Social Science Research Network "Social Science Research Network". 2026.

This work is devoted to a theoretical explanation of the Easterlin paradox, according to which long-term economic growth does not make average level of people's happiness increasing. By happiness, we mean the intensity of emotions people experience while comparing their new income with its expected value, or the target income with its original value. In the first case, ...

Added: May 31, 2026

Determinants of Сonsent to Personal Data Surveillance: Experimental Evidence from Russia

Sizov A., Rodionova M., Sedashov E. et al., / NRU Higher School of Economics. Series PS "Political Science". 2026. No. 1.

Rapid development of surveillance technologies is one of the most socially important consequences of the digital age. This paper investigates the factors determining consent to surveillance of various types of personal data and contributes to rapidly growing research on citizens perceptions of surveillance practices. Relying on a comprehensive survey experiment, we study the effects of ...

Added: May 15, 2026

Covariate-Balanced Weighted Stacked Difference-in-Differences

Ustyuzhanin V., / Series Econometrics "arxiv". 2026.

This paper proposes Covariate-Balanced Weighted Stacked Difference-in-Differences (CBWSDID), a design-based extension of weighted stacked DID for settings in which untreated trends may be conditionally rather than unconditionally parallel. The estimator separates within-subexperiment design adjustment from across-subexperiment aggregation: matching or weighting improves treated-control comparability within each stacked subexperiment, while the corrective stacked weights of Wing et ...

Added: April 3, 2026

Формирование архитектуры дедолларизации в странах БРИКС

Романова В. А., Podrugina A., Современная мировая экономика 2025 Т. 3 № 4 С. 8–24

Формирование архитектуры дедолларизации в странах БРИКС становится одним из ключевых направлений их экономической и финансовой кооперации. В статье рассматриваются институциональные и инфраструктурные меры, направленные на расширение использования национальных валют в торговле, развитии платежных систем и цифровых валют центральных банков (ЦВЦБ), а также на укрепление национальных финансовых рынков. Анализируется прогресс стран БРИКС в контексте мировых тенденций ...

Added: March 31, 2026

Математическое и компьютерное моделирование в экономике, страховании и управлении рисками: сборник статей. Выпуск 10. Материалы XIV Научно-практической конференции. Саратов, 20–22 ноября 2025 г.

Саратов: Саратовский университет, 2025.

В сборнике представлены материалы XIV Научно-практической конференции «Математическое и компьютерное моделирование в экономике, страховании и управлении рисками». Тематика статей затрагивает круг вопросов, связанных с экономикоматематическим и компьютерным моделированием и управлением рисками в финансовой деятельности, страховании, банковском деле, инвестировании, государственном управлении экономикой, бизнес-информатике и других разделах экономикоматематических знаний. Для сотрудников банков, финансовых и страховых компаний, экономических отделов организаций, служб управления ...

Added: March 31, 2026

Актуарные расчеты : учебник и практикум для вузов

Mironkina Y., Zvezdina N., Скорик М. А. et al., М.: Юрайт, 2024.

Эта книга представляет собой полный вводный курс в актуарную математику. Раскрыты основные понятия страхования и актуарных расчетов, финансовой математики и демографической статистики. Рассмотрены принципы и определения страхования, задачи актуарных расчетов, структура страховой премии и основные подходы к ее расчету, методы формирования страховых резервов в страховании ином, чем страхование жизни, страховании жизни и пенсий. Теоретический материал ...

Added: March 30, 2026

Загадка внутренней мотивации

Vorchik A., / Social Science Research Network. Серия SSRN Working Paper Series "SSRN Working Paper Series". 2026.

This article is devoted to the phenomenon of intrinsic motivation, to understand which two models are proposed. We study how positive/negative intrinsic motivation to work (experienced utility) affects worker's individual labour supply (model I) and the amount of effort they exert (model II). In model I, we use intrinsic motivation to explain the positive/negative slope ...

Added: March 15, 2026

ОПЫТ РАЗВИТИЯ ИСЛАМСКОЙ РЕСПУБЛИКИ ИРАН В УСЛОВИЯХ САНКЦИЙ

Salamatov V., Базелюк В. Н., Бизнес. Общество. Власть 2025 № 3 (57) С. 218–238

The article is dedicated to analyzing the experience of the Islamic Republic of Iran under prolonged sanction pressure that has been ongoing since 1979. The main focus is on three key aspects: historical stages of sanctions implementation, their impact on the economy, politics, and social sphere of the country, as well as Iran's methods of ...

Added: February 13, 2026

Up and Down the Mount Stupid: An Emotional Explanation of the Dunning-Kruger Effect

Vorchik A., Мамышев М. А., / Series Social Science Research Network "Social Science Research Network". 2025.

In this paper, we develop a formal mathematical model aimed to explain the Dunning-Kruger effect that beginners systematically overestimate their own competence in various fields of knowledge and activity. We argue that the Dunning-Kruger effect arises from the emotional nature of confidence combined with unknown unknowns that it simply can not take into account due ...

Added: February 11, 2026

Spatial Governance Under Polycrisis: Reconfiguring Agglomeration Policy

Borushkina S., Gorodnichev A., / Elsevier. Серия -- "WPS". 2026.

Agglomeration policy has long been a widely accepted approach in spatial development, premised on the assumption that large, integrated city-regions drive national economic growth through higher productivity, innovation, and global integration. This paper examines how this paradigm is reworked under conditions of polycrisis, understood as a durable state of overlapping and mutually reinforcing economic, geopolitical, and institutional crises. Focusing ...

Added: February 10, 2026

Microfoundations of the Cultural Modernization Theory

Musaev A. U., Vorchik A., / Series Social Science Research Network "Social Science Research Network". 2026.

This paper attempts to model the evolutionary theory of modernization and democratization. The model reflects the key provisions of R. Inglehart and C. Welzel's theory and provides a microfoundation for the adaptation of subjective values to the objective importances of the survival factors and the structure of the labour markets from the perspective of evolutionary ...

Added: February 10, 2026

Support Link Formation in Contests: Theory and an Experiment

Antsygina A., Teteryatnikova M., Tremewan J. C. et al., / Series "SSRN Working Paper Series". 2025.

Many competitive environments allow for a third party to be indirectly involved by supporting one or both sides in the conflict. Such support can come from trade partners, colleagues, or allies, who can in turn benefit from a supported party's success. We use theory and an experiment to investigate how support relationships develop endogenously in ...

Added: January 31, 2026

Inaction Inertia in Economic Decision Making: The Role of Reference Points

Akhmedova A., / Series "SSRN Working Paper Series". 2026.

The study explores a psychological phenomenon of inaction inertia-avoiding action after missing a more favourable opportunity. Unlike action inertia (e.g.,sunk costs effect), inaction inertia has been less studied, particularly in economic contexts. Considering the reference dependent nature of the phenomenon, I build on the work of Kőszegi and Rabin (2006) to examine how past experiences ...

Added: January 23, 2026

Beyond the Notch: Revenue Manipulation and Business Splitting under Simplified Tax System

Kuchumova (Paramonova) Y. A., Ozhegova A., Зорина К. С., / Series SSRN "Available at SSRN 6108727". 2026.

Simplified tax regimes with explicit eligibility thresholds are a common tool which reduces tax burden but distorts firms’ behavior, creating local bunching just below the threshold. However, we show that when firms have access to business splitting their responses extend far beyond the local margin. Our model demonstrates that splitting reduces local bunching but amplifies ...

Added: January 21, 2026

Tax Audit Expectation Updating: Direct and Indirect Effects of an Audit

Kuchumova (Paramonova) Y. A., Кумачева С. Ш., / Series SSRN "Available at SSRN 5312100". 2025.

In recent years, an emerging body of empirical research has shown that tax audits, in addition to recovering unpaid taxes (direct effect), increase future tax compliance (indirect or dynamic effect). This literature also suggests that updating expectations induced by audit experience plays an important role in explaining this indirect effect. However, exactly how taxpayers form ...

Added: January 21, 2026

Tax Debt Collection Enforcement: When are Collateral Tax Sanctions Effective due to their Prompt Impact?

Kuchumova (Paramonova) Y. A., / Series SSRN "Available at SSRN 5277500". 2025.

While the emerging empirical literature shows that collateral tax sanctions (CTSs) - such as driver’s license suspensions or passport denials - appear to be effective instruments to enforce tax debt collection, there are still few theoretical arguments to explain why. In this paper, I model enforcement of tax debt collection and provide a new rationale for why it could ...

Added: January 21, 2026

Momentum Factor or Factor Momentum in REITs Market?

Dobrynskaya V. V., Tomtosov A., Речмедина С., / NRU HSE. Series WP BRP 60/FE/2017 "SERIES: FINANCIAL ECONOMICS". 2025.

We study the application of factor investing in the market for real estate (REITs). The analysis of traditional factor strategies, such as momentum, value, size and profitability, reveals their unstable and atypical behavior in comparison to the equity market, however, there is a strong momentum effect in the factor strategies. We propose a new dynamic ...

Added: January 21, 2026

Инновационная деятельность российских промышленных предприятий

Besstremyannaya G., Bakshuk M., / ЦЭМИ РАН. Серия 48 заседание "Сборник трудов Шаталинской школы-семинара". 2026.

В данной статье рассматривается реакция российских предприятий обрабатывающей промышленности на ужесточение экономических санкций с акцентом на период после 2022 года. Хотя санкции в целом негативно сказываются на экономическом росте и эффективности деятельности компаний, есть некоторые свидетельства того, что они также могут подталкивать компании к инновациям, а негативный эффект преодолевается при помощи адаптации компании. Исследование заполняет ...

Added: December 31, 2025

Экономический рост и защита прав интеллектуальной собственности в регионах РФ

Besstremyannaya G., Новикова В., / ЦЭМИ РАН. Серия 48 заседание "Сборник трудов Шаталинской школы-семинара". 2026.

Защита прав интеллектуальной собственности является движущей силой для формирования стимулов инновационной активности предприятий. Законодательное закрепление правил пользования результатами интеллектуальной деятельности и обеспечение их соблюдения позволяет поддерживать баланс интересов создателей и пользователей интеллектуальной собственности. Целью проанализировать недостаточно изученную для регионов России связь между экономическим ростом и защитой прав интеллектуальной собственности с использованием двухшаговой регрессии. Результаты моделирования оказались неоднозначными, однако, было доказано наличие значимой связи между защитой прав интеллектуальной ...

Added: December 31, 2025

СОВРЕМЕННЫЙ РЫНОК КРИПТОВАЛЮТ: ОСОБЕННОСТИ ФУНКЦИОНИРОВАНИЯ И ПРОБЛЕМЫ РАЗВИТИЯ

Kosov M., Вестник экономической безопасности 2024 № 2 С. 185–191

The development of modern payment systems is associated with the emergence of so-called electronic or digital money. Under these conditions, cryptocurrencies are emerging and rapidly spreading as a means of payment. Currently, transactions with them are carried out on exchanges on many resources on the Internet. This trend required states to address issues of regulating ...

Added: October 22, 2025

Эффективные механизмы предотвращения внутренних экономических преступлений в страховых организациях

Timofeyev Y., Вестник НГУЭУ 2025 № 3 С. 238–251

This study reveals effective mechanisms related to reducing the risk of internal economic crimes in the insurance industry. We conducted a survey of employees who hold key positions in leading Russian insurance entities. This study analyzes the prevalence and effectiveness of crime prevention mechanisms as well as the incidence and impact of internal economic crimes. Our ...

Added: October 6, 2025