аннотация Наблюдаемая за последние 20 с лишним лет активная цифровизация жизни современного общества привела к реальным изменениям в экономике. Финансовый сектор находится в центре цифровой трансформации, авангардом которой стал финтех, формирующий в настоящее время новый сегмент современных финансовых рынков. При этом наиболее общеизвестными объектами финтеха являются криптовалюта и токен. Криптовалюты, вне зависимости от отношения регулирующих органов к ним, стали виртуальной реальностью финансового сектора и активно используются для оплаты товаров и услуг. Особенностью криптовалют является их анонимность и неподконтрольность со стороны государства, что определяет целый спектр рисков для общества и государства. Однако криптовалюты наряду с рисками дают и возможности -от развития инновационных технологий до создания новых рабочих мест и пополнения национального бюджета. Проникновение финтеха в сегменты финансового рынка, традиционно занимаемые банками, породило дискуссию об их будущем. Вместе с тем, вероятно, будет иметь место не вытеснение банков, а их финтех-трансформация. Примером тому может служить платежная индустрия, ставшая одним из основных потребителей новейших финансовых технологий и предоставляющая широчайшие возможности финтех-компаниям для развития. Важным элементом финтеха является RegTech (Regulatory Technology), которая позволяет компаниям обходить торговые барьеры и помогает выстроить конструктивный консультативный диалог с регуляторами. В свою очередь, SupTech (Supervision Technology) используется для целей анализа и прогнозирования. В завершение статьи на основе анализа зарубежного опыта сформулированы основные подходы, реализация которых позволяет государствам стимулировать внедрение и развитие новых финансовых технологий, а также проанализирован опыт межгосударственной координации сотрудничества в сфере финансовых технологий в ЕС и ЕАЭС.
ABSTRACTThe active digitalization of the life of modern society observed over the past 20 years has led to real changes in the economy. The financial sector is at the heart of a digital transformation that has been spearheaded by FinTech, which is now shaping a new segment of modern financial markets. At the same time, the most wellknown objects of FinTech are cryptocurrency and token. Cryptocurrencies, regardless of the attitude of regulatory authorities to them, have become a virtual reality of the financial sector and are actively used to pay for goods and services. The peculiarity of cryptocurrencies is its anonymity and unaccountability of the state that defines a range of risks to society and the state. However, cryptocurrencies, along with risks, create opportunitiesfrom the development of innovative technologies to the creation of new jobs and replenishment of the national budget. The penetration of FinTech into the financial market segments traditionally occupied by banks gave rise to a discussion about their future. However, it will probably not be the displacement of the banks but their FinTech transformation. An example of this is the payment ind...
This report was prepared by the staff of the Institute for Economic Forecast of the Russian Academy of Sciences and the Financial University under the Government of the Russian Federation. It gives suggestions to implement priority measures to facilitate the transfer the Russian economy to the direction defined by the Decree of the President of the Russian Federation (est. May 7, 2018). The report also highlights priority directions of the economic policy, primarily in investment activity, development of the domestic market, as well as financial and organizational support for the suggested actions.
The article deals with the role of universities from the perspective of socio-economic development of society on the basis of the «triple helix» model. The work of educational structures (universities) is considered as a complex network of interaction with: other universities; multi-level educational organizations; enterprises, business, government agencies. The authors identify areas, possible forms and results of interaction between the University and various partners for the formation of youth labor activity. A number of examples in this article are based on the experience of the Department of «personnel Management» of the Moscow Aviation Institute.
The article is devoted to the development of the practice of applying the procedures of professional and public accreditation of educational programs in the field of human resource management. An overview of the regulatory and methodological framework for conducting accreditation examinations is presented. The key issues of interaction between the Council for Professional Qualifications, the accrediting and educational organization are identified, their content is disclosed and recommendations for educational organizations on preparing for the accreditation examination are presented. The article presents an analysis of the main advantages that educational organizations receive when conducting professional-public accreditation of educational programs and the reasons for their resistance, among which a low level of awareness of the accreditation procedure, the benefits of its implementation in the short and long term, is highlighted. A number of prospects for the development of professional-public accreditation and the use of its results have been substantiated, which can contribute to an increase in the interest of participants in the educational services market.
The article presents the generalized results of a survey of universities as part of the regular labor market monitoring conducted by the Council for Professional Qualifications in the field of HR management. The survey data made it possible to draw a number of conclusions about the current state and quality of training in the field of HR management (current educational programs, forms and level of interaction between universities and employers, the demand for graduates and the compliance of their qualifications with the requirements of employers and professional standards), to identify the most significant problems and their causes, as well as assess the prospects (including the future of professional and public accreditation of educational programs, independent assessment of the qualifications of graduates, as well as the feasibility of maintaining HR management as an independent area of professional training) and the conditions for their implementation.
The authors of the article, analyzing the experience of the implementation of educational programs for bachelor's, master's and programs of additional professional education in the field of personnel management, focus on the assessment of learning processes and its new aspects, the emergence of which is associated both with the development of learning formats and technologies, and with changes in regulatory and legal requirements for the content and conditions for the implementation of educational programs. The study made it possible to determine the main contours of the assessment of educational programs in the field of personnel management, including indicators and criteria of efficiency, subjects of assessment, the possibility of increasing the level of innovation, as well as to highlight a number of areas for further development and refinement of assessment elements, including the integration of formats and assessment results the effectiveness of educational programs conducted by various subjects and having a different nature of the obligation (state accreditation, independent professional and public accreditation), reflected in the criteria and procedures for assessing the increase in the use of new educational technologies, taking into account delayed learning outcomes.