Финансовые аспекты модели инклюзивного роста современной экономики (Financial Aspects of the Inclusive Growth Model of the Modern Economy)

Danilov, Yury; Pivovarov, Danil

doi:10.2139/ssrn.3354539

Cited by 3 publications

(2 citation statements)

References 22 publications

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“…Применение понятия инклюзивности выходит за рамки развития городов: оно используется применительно к экономическому росту [2,12], управлению организациями [4]. С нашей точки зрения, по своему смыслу инклюзивность, т.е.…”

Section: Ia Rozhdestvenskayaunclassified

Potential for Forming a Smart City Governance’s Ecosystem

Rozhdestvenskaya

2023

BRANS

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The article examines potential obstacles to the formation of a smart city management ecosystem. Participation in city management by citizens, firstly, requires them to invest their time and effort, and secondly, creates opportunities for their opportunistic behavior. To overcome these obstacles, the concept of the potential for the formation of a smart city ecosystem and directions for its research to improve the management of smart cities are proposed.

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Section: Ia Rozhdestvenskayaunclassified

Potential for Forming a Smart City Governance’s Ecosystem

Rozhdestvenskaya

2023

BRANS

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“…66]. Кроме того, исследования отечественных и зарубежных ученых свидетельствуют о том, что ответственная государственная политика в области финансовой инклюзии домохозяйств с низким уровнем доходов, включая повышение доступности кредитных продуктов для них, положительно влияет на долгосрочный экономический рост и рост доходов населения [9][10][11].…”

Section: Economyunclassified

Rural mortgage: the first results, problems and ways to increase financial accessibility for rural residents

Мирошниченко¹

2022

Agrarian Bulletin of The

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Abstract. The purpose. Analysis of the results and problems of the implementation of the Rural Mortgage Program, as well as a scientific substantiation of the need for its improvement in order to increase the financial accessibility of mortgage loans for rural residents and improve housing conditions on the village. Methods. The theoretical and methodological basis of the study was the scientific works of domestic and foreign scientists on issues of preferential mortgage lending, financial inclusion and the development of rural territories. The study was carried out using general scientific methods for analyzing and synthesis, induction and deduction, statistical and economic method. Results. An analysis of the implementation of preferential mortgage lending under the Rural Mortgage Program, which informed the high demand for this program among the population. A high concentration (more than 75%) issued preferential mortgage loans in three federal districts – Central, Volga and Siberian was revealed. It has been established that the level of approved applications of citizens on preferential loans is not high, the main reasons for the provision of a loan have become problems with purchased property, negative credit history or low creditworthiness of borrowers, due to the poverty of rural households. According to the data in 2020 in each third region of Russia, citizens who received a preferential rural mortgage more than rural residents, which confirms its low accessibility for the village. Scientific novelty. According to the results of scientific research on the basis of identified problems, the directions of the rural mortgage program were reasoned, taking into account the key factors of increasing the financial accessibility of mortgage loans for priority categories of rural population, young and large families, as well as the level of regional development of rural areas.

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Agricultural credit consumer cooperation as a tool for financial inclusiveness in the village

Мирошниченко¹,

Krinichnaya²

2021

Agrarian Bulletin of The

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Abstract. Increasing the level of income and quality of life of the rural population, the creation of comfortable conditions for his residence and ensuring financial inclusiveness is the priority direction of modern state policy. The purpose of the study is an analysis of the state and trends in the development of agricultural credit consumer cooperation, as well as the substantiation of the areas of its further development in the context of increasing financial inclusiveness in the village. Methods. The theoretical and methodological base of the study was the scientific works of domestic and foreign scientists on inclusive economic growth, state regulation and the organizational and economic mechanism for the development of agricultural credit consumer cooperation. The study used a systematic approach using methods for analyzing and synthesis, generalizations, comparisons, inductions and deduction, statistical and economic analysis. Results. The dynamics of the development of agricultural credit consumer cooperation in Russia is considered. The reduction in the number of agricultural credit consumer cooperatives (ACCC) under the influence of a number of negative factors, such as: the absence of the state program for their development; transmission of control and supervision functions for their activities in the Central Bank of the Russian Federation; low level of income of rural residents and distrust of credit cooperation; the lack of an insurance system for contributing members of cooperatives, etc. The trend has been identified to increase the loan portfolio of ACCC, which indicates a high need for affordable loans from rural small businesses and the population. These theoretical and empirical studies reflect the close relationship between the development of credit cooperation on the village with a change in the institutional environment. Scientific novelty. The results of the study made it possible to substantiate measures to improve state policies aimed at creating a favorable institutional environment for the development of ACCC. The interrelation of the growth of the financial inclusion of rural areas and the positive dynamics of the development of ACCC is allocated.

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Финансовые аспекты модели инклюзивного роста современной экономики (Financial Aspects of the Inclusive Growth Model of the Modern Economy)

Cited by 3 publications

References 22 publications

Potential for Forming a Smart City Governance’s Ecosystem

Potential for Forming a Smart City Governance’s Ecosystem

Rural mortgage: the first results, problems and ways to increase financial accessibility for rural residents

Agricultural credit consumer cooperation as a tool for financial inclusiveness in the village

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