CPSW 1-2019.Indd
Total Page:16
File Type:pdf, Size:1020Kb
Contemporary Problems of Social Work ACADEMIC JOURNAL Vol. 5. No. 1 (17) 2019 MOSCOW CCONTEMPORARYONTEMPORARY PPROBLEMSROBLEMS CONTENTS OOFF SSOCIALOCI AL WWORKORK VVolumeolume 55,, NNo.o. 1 ((17),17), 22019019 ECONOMY ISSN 2412-5466 Andryushchenko A.M. Determination of the Optimal Regulatory Burden The journal is included into the system on the Part of the State in the Pawnshop of Russian science citation index and is Services Market . 4 available on the website: www.elibrary.ru Krasyuk P.P. Interpretations of Contracting and Pertaining DOI 10.17922/2412-5466-2019-5-1 Notions in the Russian and Anglophone CHIEF EDITOR Approaches in Procurement . .11 Frolova E.V. Molchanova N.V., Martynova M.Yu. doctor of sociological The Arctic Vector of China’s Foreign Policy: sciences, associate professor, Russian State Social University, Russia History and Legal Framework . .20 DEPUTY EDITOR Shelyganova O.I., Krasnova S.A. Rogach O.V. Modeling of the Process of Registration candidate of sociological sciences, of Estimate-Contractual Documentation . .26 Russian State Social University, Tkachenko S.V., Martynova M.Yu. Russia China in the Industry of Innovation: Cooperation with Russia. .35 EDITORIAL BOARD Feber J. (PhD, University of Trnava, PEDAGOGY Slovakia) Belyakova T.E. Mirsky J. (PhD, Ben-Gurion University of the Negev, Israel) Features of Formation of Culture Moore Alan Thomas (Bachelor of of Project Activity of Students Arts (Hons), M.A., leading to the to Design in Russia. .44 Capital FM 105.3, Ireland) Chekanov I.R., Neizvestny S.I. Nikiporets-Takigawa G.Yu. (PhD, Experience in the Organization of the Scientific professor, University of Cambridge, UK) Club of the Department of Information Petrucijová J. (PhD, University of Ostrava, Czech Republic) Technologies of Russian State Social University «Future Technologies of Digital Society» . 52 Roer-Strier D. (PhD, Hebrew University of Jerusalem, Israel) Fedosov A.Yu., Markushevich M.V. Santiesteban Perez M. (PhD, The Topical Issues of Application of the University of Guantanamo, Cuba) Domestic Software in the Educational Process Turdubaev S.K. (doctor of economic of the Russian School. .59 sciences, associate professor, director of Russian State Social University in Ivoeva A.V. Osh, Kyrgyz Republic) Perspective Directions of Formation Turro Breff A. (PhD, University of of Deontological Culture of Experts Guantanamo, Cuba) on Work with Youth in the Course Vietze D. (PhD, The City University of of Their Training at University . .68 New York, USA) Vietze P. (PhD, Montclair State University, USA) SOCIOLOGY Badmatsyrenov T.B. (candidate Leontyeva T.V. of sociology sciences, associate Family Values in the Animated Content professor, Buryat State University, Buryatia, Russia) of Internet Space . .76 Chernikova L.I. (doctor of Loshkarev I.O. economic sciences, associate International Law and State Sovereignty: professor, Financial University under Issues of Correlation . .84 the Government of the Russian Federation, Russia) Mikhoparov N.I. Dusenko S.V. (doctor of sociological Peculiarities of the State Tourism Policy sciences, associate professor, in the Chuvash Republic: Regional Experience Russian State University of Physical and Methods of Its Improvement . .92 Education, Sport, Youth and Tourism (SCOLIPE), Russia) Zanina K.D. Rostovskaya T.K. (doctor of Fashion As a Way of Cultural Identity sociological sciences, professor, of Young People in Modern Russia. .100 Institute of Social and Political Studies of the Russian Academy of Sciences (ISPR RAS), Russia) PSYCHOLOGY Sizikova V.V. (doctor of pedagogical Skorohodova E.Yu., Borodyanskaya E.A. sciences, professor, Russian State Affecting the Viewer: Social University, Russia) Verbal and Non-Verbal Aspects . .106 Vinogradova M.V. (doctor of economic sciences, associate professor, Russian State University of LABOUR PROTECTION Tourism and Service, Russia) Vishnyakova V.A. (candidate of Sorokina A.A., Zubkova V.M. economic sciences, Russian State The Specific Features of the Monument Social University, Russia) of Nature of Regional Significance «Serebryanny Bor» and the Assessment EXECUTIVE SECRETARY of Its Assimilation Potential. .113 Vishnyakova V.A. candidate of economic sciences, head of department scientific and technical information RSSU WORKED Contenting Papkova N.E. Chief editor of quick printing Bagrova N.V. Typesetting and design Probilova T.A. Decorating Probilova T.A. Cover design Veselovskaya M.M. Our address: 129226, Moscow, Wilhelm Pieck street, 4, building 1, room 312, 315 Contact phone: 8 (495) 255-67-67 (ext. 17-63, 17-71, 17-80). http://rgsu.net/about/science/ publishing/magazine/ E-mail: [email protected] The materials are published in author’s edi- tion. Authors of published materials are re- sponsible for the selection and the accuracy of facts, quotations, proper names, statistics and other information. Editorial opinion may not coincide with the opinion of the authors of the articles. Reprint of materials and use them in any form, including electronic media, possible only with written permission of edi- torial office. Age limit: 16+ © Russian State Social University ECONOMY Andryushchenko A.M., Postgraduate Student, Russian State Social University, Moscow. E-mail: [email protected] ORCID ID: orcid.org/0000-0001-5134-4602 UDC 336 DOI 10.17922/2412-5466-2019-5-1-4-10 Determination of the Optimal Regulatory Burden on the Part of the State in the Pawnshop Services Market Receiving date: Preprint date: Taking to print date: 14.01.2019 28.02.2019 29.03.2019 Annotation: the article analyzes the strategy of the state regulator in the microfinance market, in order to clarify its impact on the market of pawnshop services and the need to determine the optimal regulatory burden. In addition, the author considers the factors that determine the formation of the institutional structure of the pawnshop services market and the need to introduce self-regulation in the pawnshop services market. Key words: pawnshop, microfinance, non-credit financial organizations, self-regulation, self-regulatory organization. JEL classification: А100, А110, А130. Introduction Sustainable development of the microfinance sector in general and the pawnshop services market in particular can increase the financial accessibility of both the population and economic entities, mainly small and medium enterprises (SMEs). The most important condition for the development of one of the segments of this market – pawnshops and increase its competitiveness, is the optimal regulatory burden on participants from the state. It is the optimization of the regulatory burden on the pawnshop services sector that can give impetus for its further development [2]. Supervision over the activities of pawnshops, as well as compliance with the requirements of the Federal Law of 19.07.2007 No. 196-FZ “On Pawnshops”, other federal laws, other regulatory legal acts of the Russian Federation and regulatory acts of the Bank of Russia, is exercised by the Bank of Russia [15] 3 of the law on pawnshops. This chapter is devoted to the rules for the provision of pawnshop services for the storage of things of the population, which does not apply to the activities of the pawnshop as a financial intermediary [6]. 4 VOLUME 5, No. 1 (17), 2019 According to the Bank of Russia, the number of pawnshops from the end of 2016 to the end of 2018 has decreased, so in the first quarter of 2016, pawnshops amounted to 8290 organizations, and in the first quarter of 2018 their number decreased to 5532 pawnshops. The portfolio of loans issued by pawnshops in Russia in 2016 grew by 14.3% to 33.6 billion rubles. Since 2016, the portfolio remains at the level of 33-36 billion rubles, despite a significant reduction in market players. This fact indicates that inactive legal entities are being withdrawn from the market. The number of pawnshop customers (borrowers) from the end of 2016 to the end of 2018 increased from 2.6 million to 2.7 million [18; 19]. Below, we will elaborate on the work of the Bank of Russia in terms of the development of financial markets, the supervision of the market of Lombard services and the determination of the optimal regulatory burden on the sector. Methods Determination of the optimal regulatory burden on the part of the state in the market of pawnshops services implies: – determination of the limits of state intervention; – proof of the need to improve the institutional structure of the pawnshop market; – analysis of the state regulator’s strategy in the microfinance market, which will make it possible to clarify its impact on the market of pawnshop services; – consideration of the factors that determine the formation of the institutional structure of the market services of pawnshops. Results The Bank of Russia performs not only the function of the supervisory authority, but also deals with the development of financial markets. To this end, the Bank of Russia develops and implements programs that provide the main directions for the development of the financial market of the Russian Federation. Actual today is the program for the period 2019– 2021 (hereinafter referred to as the “Basic Directions”), where the goals and princes of the activity of the mega-regulator are identified, contributing to the development of the country’s financial market. The “main directions” allow to determine the current state, possible points of development of the microfinance market and give a clear idea of specific measures for its development for the next three years. The main areas are developed