Assessment peculiarities of loan obligations for enterprises of investment and construction complex in the context of economy digitalization

Abstract

The article deals with the procedure for assessing the market value of loan obligations for enterprises of the investment and construction complex in the context of the digitalization of the Russian economy. The relevance of the topic is confirmed by the fact that digital systems and technologies have been developing rapidly in Russia in recent years, since the level of development of the digital economy is important for increasing the competitiveness of the state with other developed countries. The banking system is inextricably linked with the digital economy, which completely changes the structure of the banking system as a whole, first of all, accelerating all processes, making them more accessible and transparent. The authors of the article study the concept of a digital economy and examine the impact of the digital economy on the banking system. Assessment of the market value of loan obligations in business is a new topic in appraisal activities. The article discusses in detail the approaches to determining the market value of a business, the most suitable methods for determining the market value of a right of claim are clarified and updated. The authors investigated the concept of a collection agency, the procedure for cooperation between credit institutions and agencies. They analyze the statistics on the sale of debts, as well as the advantages for credit institutions of transferring the right of claim to agencies.

Overview of the Current State of Flexible Solar Panels and Photovoltaic Materials

“…The energy characteristics of photocells are mainly determined by the following parameters: the intensity of solar radiation, the magnitude of the load, and the operating temperature [2]. Since the distance from the Earth to the Sun changes during the year within 150 million km, the amount of solar radiation also varies from 1325 to 1420 W/m 2 [3].…”

“…One of the promising areas for solving the problem of energy supply to consumers is the development and implementation of renewable energy sources (RES). Their share of world consumption in 2020 was around 24% and according to forecasts this number will increase by ~50% by the year 2040 [3].…”