The analysis of existing methods for assessing the investment potential of Russian regions has shown that there are a number of problems with an objective assessment of the investment development of regions. The using of the regions’ investment potential assessing methods without taking into account the factors of municipalities’ investment development raises doubts about the results’ objectivity. In this work the authors set a goal to assess the influence of individual factors on the Russian regions’ investment potential by calculating the index of municipal districts’ investment opportunities, which allows to identify problems with investment development of the region. The research is based on economic-mathematical modeling by the Russian subjects’ official statistics information with the Cherepovets municipal district of the Vologda region as example. The research allowed us to determine the impact of investment processes in municipal areas on the Russian region’s investment potential. In particular, to determine that the process of investment development in municipal areas depends on several fundamental factors: in most areas there is intraregional labor migration, which affects the objectivity of the municipal areas labor potential’s assessment. Thus, the proposed method of evaluating the investment opportunities index of municipal districts is an effective tool for analyzing the development of Russian regions’ investment potential, it can be used as a management tool, and also allows us to identify problem areas in the investment processes of region. The results of the research can be used in analyzing and monitoring the Russian Federation subject’s investment potential, determining the needs for further investment development of individual municipal districts of the region.
The article deals with the problem of financing of small and medium-sized businesses in the Vologda region. The tendencies of development of small and medium enterprises of the region are defined. Directions of financing of small business for creation of favorable conditions of its development are reflected.
The analysis of the development of the consumer credit market has shown that there are a number of problems associated with the growth of borrowers debt among the population. Accelerated growth in lending and reduced solvency of borrowers led to a steady decline in real incomes of citizens and the development of the non-banking financial sector. The authors set a goal to conduct a study of the relationship between the development of the consumer banking lending market and the solvency of the population. Based on the conducted research, the main factors influencing the growth of retail consumer lending and the solvency of citizens were identified. These factors include the development of the MFI market, the lack of credit monitoring by the banking sector, inappropriate provision of credit resources, and a steady decline in real incomes of the population. On the basis of comparative analysis, statistical, economic and mathematical methods, the dependencies between the current macroeconomic indicators were determined, which confirmed the assumptions about the falling solvency of Russian citizens and the unstable state of the banking sector. Applying the results of the current study will be effective for carrying out reforms in the field of monetary policy of the state and changes in the legislation regulating the activities of commercial banks and microfinance organization.
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