Ориентация на клиента: моделирование и диагностика
The old and well-known saying teaches us not to invent the wheel twice. Even though cooperation and knowledge sharing has always been a part of higher education activities, the topic gets never outdated. We tend to think that in order to have fruitful cooperation, it has to be planned and organized well. This often leads to structured and tightly scoped projects and collaboration activities which bring results and answers to pre-defined questions and targets. Open and cross-disciplinary sharing of practices provides another, more experimental-driven approach to cooperation. It offers the sharers the opportunity to describe their experiences and learnings from their own point of view, without the limitation of considering the different interpretations from readers and listeners. It also enables the sharer to use familiar terminologies and expressions and focus on the content. Storytelling has been introduced to the academic field as a valid format of sharing practices, experiences and learnings. Stories appear in multiple formats, and it has to be noted that as storytelling is sharer-driven, the choice of format is also in the hands of the sharer. Stories can be personal or organizational, even multiorganizational. They can be formal or free-form, fact-driven or based on opinions, and the heterogeneity of stories offers the reader and listener a wide choice of interpretations. Learning from stories requires an open mind and the ability to transfer the message from the story to the reader’s own context. While this can be demanding, it is also rewarding, as it does not limit the message transfer in any way. There are no pre-defined targets or expectations for the utilization of the learnings, and each reader can interpret the message of the story according to their own contexts and needs. The demanding side comes with a fact that stories rarely give readymade answers or solutions to the reader’s needs, but require effort in interpretation. While the world around us becomes more and more complex, the solutions and answers to rising challenges and needs also need to be discovered from different sources than before. The best solutions may be found in the most unexpected places and stories. With open eyes, ears and minds.
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.