Управление портфелем дебиторской задолженности на основе кредитного ценообразования
The collection contains materials of the International scientific and practical conference " Financial management", which was held in Burgas, Bulgaria 25 - 29 -the July 2016. This event is held Ltd. "Humanitary, economic and informatic technology institute" in collaboration with the International Informatization Academy, the International Academy of Science Teacher Education, International Academy of Social Sciences and Information Innovation, Russian Academy of Cosmonautics E.K. Tsiolkovsky and universities and research institutes in Russia and Bulgaria.
Today, intellectual capital is one of the important directions in financial management. The article displays the degree of importance of this resource, both at the state level and at company level. Theoretical and methodological aspects of intellectual capital concerning the wording of its definition and critical analysis of the strengths and weaknesses of models for assessing intellectual capital are presented in this paper. The basic characteristics of the intellectual capital and its distinctive features in comparison with monetary-material resources are allocated. It is concluded that implementation of these propositions in the aggregate, may contribute to the goal of creating new levers of company value.
кредитные ресурсы, прибыль, оптимизация, управление, устойчивость, риск, неопределенность
The given paper proposes a method to assess credit worthiness based on a continuous scale. This method in contrast to current methods that rely on a binary scale such as bad/good credit uses aggregated randomized indices. Its application may have certain practical benifits in real life, e.g. assessing the individual loan price of a particular person rather than setting a standard loan price for clients. The credit scoring model is based on set of private borrowers information that can be converted into quality function corresponding to a weighting coefficient. These weighting coefficients and quality functions then can be used to compute the quality of credit score on a continuous scale. Results based on data from German credit base have showed the feasibility of the approach. It was found that results of credit scoring with a different scales can not be correctly compared by probability of well classified borrowers.
The tutorial discusses the practical computer analysis in the solution of problems in financial management topics . Included guidelines for the quantitative description of the planning system in financial management. An overview of key categories and provisions for asset management and capital. Revealed theoretical issues related to investment management . The material in this manual has a scientific and practical character and contains the information about the typical problems of financial management , which will be in demand by readers directly in research and professional activities. The manual is intended for students and undergraduates enrolled in the direction of "Economics" and "Management" , and may also be useful to managers and professionals , both financial and non-financial corporations.
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.