Revealing Macroeconomic Determinants of Alcohol Abuse and its Influence on Life Expectancy in Russia
Regional variation of all features of mortality is quite significant. Being noted for many decades The North-Ost gradient of increased mortality rate continues its trend. In a time despite essential regional variation of mortality the difference in the orientation of its dynamic is not significant at all. An important condition for development of measures to ensure a decrease of mortality rate is information on social and demographic factors.
The principal result of this research is that the valuable skills have a negative and significant effect on alcohol abuse. We found that a higher professional level is consistent with a stronger negative relationship between earnings and alcohol-related behaviors and problems. The explanation of the result is proposed in that the pecuniary losses imposed on an individual by alcohol-related physical inability are positively conditioned by the valuable skills.
The monograph is devoted to the problems arising in the analysis of demographic processes, the calculation of net rates and assessment of reserves in the major life insurance contract. The results of studies involving various related parties of the analyzed issues. For example, given a detailed comparative analysis of pre- and disadvantages of organization of the insurance market in Russia and abroad. With used - vaniem various techniques built a ranking of countries in terms of development of the market under study.
The basis of actuarial calculations in the basic life insurance contracts are demo graphic processes: in particular, information about the mortality rate. The foundation for the construction of a net rates and valuation reserves in the life insurance contract is the data of mortality tables, which are based, in turn, is an indicator of how Vero die before reaching next age interval. In this regard, the authors present the theoretical aspects of the construction of the net rates and valuation reserves in life insurance contracts. The paper discusses methods of constructing mortality tables , raised the problem of statistical analysis of demographic processes in actuarial calculations, an overview of the basic formulas used to derive the net rates and valuation reserves in life insurance contracts.
The authors of the classification of the Russian Federation in terms of economic and demographic character. Some representatives of the obtained clusters The results of the study of the dynamics of demographic processes. It analyzes the main trends in life expectancy at age and sex and the regional context.
Of course, the authors have paid special attention to the analysis of the impact of demographic, financial factors on change of the tariff policy of life insurance contracts, as well as the impact on the rate and size of the allowance conditions of the contract. The research data for the city of Moscow as a financial and information center of Russia, which significantly affects the development of the insurance market as a whole (not only in the life insurance sector).
The results of these studies may be interested in a wide range of professionals in the field of economics, actuarial calculations in life insurance analysts.
The article deals with longevity risk, which is faced by non-state pension funds, and possible methods of its management. Longevity risk arises from uncertainty in future mortality trends and is related with the guaranteed lifelong pension payments. The emphasis is put on the impact of this risk on solvency of non-state pension funds. Results of the estimation show, that the effect is quite significant and longevity risk has to be controlled. Two possible methods of risk management for longevity risk are discussed: special reserves and life expectancy forecasting.
Abstract Most studies have shown that when men have higher levels of education they are less likely to beat their wives. Some have also shown that consumption of alcohol tends to be a negative catalyst in provoking inebriated males to commit domestic violence against their intimate partners. Thus, understanding the likely causes and/or associated factors of intimate partner violence with ever more concentrated studies is imperative. Studies in the past have not examined four possible categories of husbands to determine a correlation to intimate partner violence: those that are educated and tend to be alcoholics, those that are educated and tend not to drink alcohol, less-educated individuals who tend to be alcoholics, or those that are less educated and tend to not to be alcoholics. Employing the Demographic and Health Survey data for Nigeria, Kyrgyzstan and Tajikistan, this study has shown the likelihood of each category of husband to perpetrate domestic violence on intimate female parnters in Nigeria, Kyrgyzstan and Tajikistan using the multivariate logistic regression at a 95% confidence interval. From the research it has been found that a husband’s educational level in and of itself offers no significant correlation to IPV perpetration in Kyrgyzstan and Tajikistan, whereas in Nigeria, educated men were a little more likely to perpetrate IPV compared to men with less education as seen in the following: AOR 1.14, CI 1.02- 1.27; p-value < 0.001. In all, alcoholic men were at least 3 times more likely to commit IPV than nonalcoholic men as suggested in the formula of: CI 3.08-5.56; p-value < 0.001. In Nigeria, men with little or no education, who lived in rural areas and were non-alcoholics were less likely to perpetrate IPV compared to their counterparts in urban areas as suggested by AOR 0.75, CI 0.61-0.93; p-value < 0.01, while alcoholic men with little or no education, who lived in rural areas, showed the strongest proclivity to beat their wives as suggested in AOR 4.37, CI 3.5-5.42; p-value < 0.001. Alcohol seems to outweight the effects of education as an instigator of domestic violence. Its introduction consistently increases the likelihood of IPV and strengthens its statistical significance across sites.
Keywords: Intimate partner violence; husband; education; alcohol; Nigeria; Kyrgyzstan; Tajikistan
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 results of cross-cultural research of implicit theories of innovativeness among students and teachers, representatives of three ethnocultural groups: Russians, the people of the North Caucasus (Chechens and Ingushs) and Tuvinians (N=804) are presented. Intergroup differences in implicit theories of innovativeness are revealed: the ‘individual’ theories of innovativeness prevail among Russians and among the students, the ‘social’ theories of innovativeness are more expressed among respondents from the North Caucasus, Tuva and among the teachers. Using the structural equations modeling the universal model of values impact on implicit theories of innovativeness and attitudes towards innovations is constructed. Values of the Openness to changes and individual theories of innovativeness promote the positive relation to innovations. Results of research have shown that implicit theories of innovativeness differ in different cultures, and values make different impact on the attitudes towards innovations and innovative experience in different cultures.
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.