Finance and loans

Finance and loans Finance in the Russian scientific and educational literature is defined as a set of economic relatio

Thanks to the introduction of blockchain technology - a method of verifying payment using a chain of remote computers - ...
06/07/2021

Thanks to the introduction of blockchain technology - a method of verifying payment using a chain of remote computers - the existence of the bank as an institution is called into question. A person will be able to transfer any amount of money to any country without the participation of the bank, without exchanging currency and in a matter of seconds (now it takes several days for currency transfers). And crowdfunding (raising money for projects) will be faster and easier than lending in a bank: money for a startup can be borrowed not from one bank, but from the entire world community - on the principle of "world by thread".

The image of the financial sector, like all other industries, is changing under the influence of automation and the achi...
06/07/2021

The image of the financial sector, like all other industries, is changing under the influence of automation and the achievements of the IT sphere: for the convenience of users and optimization of banking costs, banks are introducing mobile technologies and online services. In Russia, there are already banks that do not have service offices - all transactions are conducted online. The virtualization of monetary relations leads to the fact that the banking staff who communicate with customers is no longer needed: the number of operators, cashiers, consultants is reduced, but the need for information security specialists and technical support specialists is growing.

The sphere of economy and finance, despite its riskiness and intensity, is attractive as a field of professional activit...
06/07/2021

The sphere of economy and finance, despite its riskiness and intensity, is attractive as a field of professional activity: it is characterized by a high level of salaries (4th place among industries according to Rosstat in 2017), intellectual work and office work (unlike, for example, from mining and processing of minerals). Economic and financial education provides a person with good career prospects not only in the financial sector, but also in other industries, and also helps to develop their own business.

The most significant feature of the difference between public and private finances is that public and private sector fin...
04/07/2021

The most significant feature of the difference between public and private finances is that public and private sector finances have different goals [9]. The main goal of the private sector is to make a profit, that is, to maximize the exchange value of capital through reproduction and / or speculation. In turn, the goal of public finances is the distribution and redistribution of public goods consumed at the national and regional levels [10].

Traditionally, finance is divided into public finance (centralized, state and municipal finance) and private finance (de...
04/07/2021

Traditionally, finance is divided into public finance (centralized, state and municipal finance) and private finance (decentralized). The latter include both corporate finance (corporate finance) and household finance (personal and family finance).

An important element of finance is the category of resource allocation. This category is ancient and has existed since t...
03/07/2021

An important element of finance is the category of resource allocation. This category is ancient and has existed since the dawn of human society. For example, in primitive society, hunters killed mammoths, but shared with the rest of the tribe (women, the elderly, children), who were not directly involved in the hunt - such a system of relations based on the distribution of resources contributed to the formation of human society. civilizations and systems of statehood.

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