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  • Моделирование влияния страховой составляющей на объемы продаж кредитных карт
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News
September 17, 2026
'I Wish That People Would Place Greater Trust in Science'
When Tatiana Eremicheva chose Fundamental and Computational Linguistics as her field of study, she thought it would be about learning languages. Instead, she discovered it was about helping people. In this interview for the HSE Young Scientists project, she discusses science as a way of understanding the world, billiards as a team-building activity, and why learning to read is not always as easy as it seems.
September 15, 2026
Immunity to Chaos: How Personal Resources Help Us Cope with the Challenges of a Turbulent World
International conflicts, crises and digital overload—the modern world puts our minds to the test every day. Traditional psychology often focuses on the consequences: anxiety, depression, and psychosomatic disorders. But what if we looked at the problem differently—through the lens of the resources that prevent us from breaking down? Psychological immunity is precisely this set of resources. Alena Zolotareva and her group, Psychological Immunity as a Resource for Positive Functioning, are developing an integrative model of this phenomenon, adapting diagnostic tools and preparing for large-scale empirical research. Why do psychologists need to collaborate with medical professionals, and how could their research transform preventive care in clinics and corporations?
September 11, 2026
How to Assess Students Knowledge in the Age of AI
A researcher at HSE University has proposed a flowchart to help lecturers decide how to assess students who use artificial intelligence. It shows where the use of AI should be restricted and where it can be incorporated into the learning process. The article has been published in IT Professional.

 

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Моделирование влияния страховой составляющей на объемы продаж кредитных карт

С. 20–25.
Gracheva S., Polyakova M. V.

In the article the tendency of development of interaction of bank and insurance business, modern lines of the banking insurance are considered. Also we estimate the influence of different channels on credit card sales.

Language: Russian
Full text
Keywords: коммерческий банкinsurance companyбанкострахованиестраховой бизнесcommercial banksbancassuranceкредитные картыcredit cards

In book

Математико-статистический анализ социально-экономических процессов. Межвузовский сборник научных трудов
Вып. 11. , М.: МЭСИ, 2014.
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This study seeks to identify and analyze trends in the development of Central Bank Digital Currencies (CBDC) globally, with a particular emphasis on emerging markets such as Russia. We examined the impact of CBDCs on the liquidity of Russian commercial banks, driven by a noticeable gap in existing research on this topic. Focusing on Russia ...
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To form a strategy for managing the lending process and credit risk, analysts of a credit organization need to have tools for modeling the lending process, which allows not only to assess the effectiveness of the lending process in the current situation, but also to assess risks in a changing economic environment. The purpose of this study is to ...
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Added: October 22, 2018
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The necessity of deep understanding of high liquidity creation and liquidity management and awareness of factors’ determination, which have influence on liquidity buffer, created by the banks, open wide opportunities for research in this field. This paper empirically examines how internal bank characteristics and macroeconomic conditions affect high liquidity creation in the bank system. Using bank level ...
Added: January 29, 2018
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The aim of this paper is to construct a reliable model based on public information for  the practical usage of interested agents, regulators and banks themselves. During the work,  a table of representative variables that have potential influence on ratings was constructed.  The research is based on the Bankscope database that contains financial information about  international banks for the ...
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The strategies that Russian and American banks use to evaluate the creditworthiness of prospective credit card holders are compared. Drawing on Knight's theory of risk and uncertainty, the authors argue that uncertainty, inherent in any credit transaction, can only be reduced to measurable risk if there are institutions that create stability over time, categorize events ...
Added: July 14, 2017
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