This work was based on empirical studies of the credit register and loans issued, which have been compiled by all Russian banks since 2017, for the analysis of bank interest rates by a common factor and subject to the control of the characteristics of the loan. These dates identified bank-specific components in the management information system; also, the same data were used to measure the fragmentation of the accounting lending market in Russia. This paper illustrates the credit market in Russia during the COVID-19 pandemic by analyzing the management of loan rates with existing differences due to the heterogeneity of banks and borrowers in order to achieve a sustainable management system. The results show that the heterogeneity of banks’ decision-making when setting interest rates is high and increased at an early stage of the pandemic. Additionally, the results demonstrate that the banks tightened interest-free lending conditions during the pandemic for sustainable management goals.

The article is devoted to the assessment of integration effects in mutual trade of the EAEU member States. The analysis and assessment of volumes of mutual trade in goods of the EAEU member states in 2012-2018. The factors of growth of mutual trade between the EAEU countries, the barriers, exceptions and limitations. The authors formulated conclusions, suggestions and recommendations to remove existing obstacles and increase mutual trade in the EAEU countries.

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The presented study was devoted to environmental safety in the context of the implementation of energy transfer programs. Among the main transitions, a conservative, innovative and energy transition is singled out, within the framework of which relevant measures are taken to increase the efficiency of the energy industry. The work analyzed plans for various approaches, as a result, it was concluded that in the event of an energy transition, it is planned to reduce oil and gas consumption by up to 20% and increase the consumption of renewable energy sources. The work revealed that the plans should be implemented taking into account the specifics and characteristics of the energy industries, in connection with which, a model for ensuring the energy transition containing mechanisms for decarburization, decentralization and digitalization was proposed for the Russian Federation. At the end of the study, brief conclusions are presented.

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