Article is devoted to the interrelation of gross internal savings and economic growth. The author analyzes a sensitive debatable issue: what is more preferable to the economy - increase the norm of gross savings or stimulation of demand?

The article describes the analytical approach to the allocation of the Dominition of a risk factor in entrepreneurial activity. Proposed improvements reliable method «Pareto - analysis» for the selection of the group of media objects significant risk factors in order to improve the sustainability of the entrepreneurial business.

This article is dedicated to reveal a matter of systemic-risk category, its loose and ways of quantity-quality changes.

This is a beginning of the last article of one of the oldest professors of the Russian academy of entrepreneurship, doctor of Economics, professor Bulochnikova Lidiya Andreevna who prepared over 50 candidates and doctors of science. Lidiya Andreevna is not, simply the Doctor of Economics, professor, who devoted, in fact, the whole years of the creative life to teaching economic disciplines at Lomonosov Moscow State University, Academy of social sciences and the Russian academy ofentrepreneurship, but also one of the most authoritative economists of the USSR and Russia. Therefore the point of view of such expert is represented to us very important and timely. In the article the analysis of formation of so-called «market economy» of Russia and its results is given. The analysis of forms and methods of stimulation of growth of economy, comparison of forms of ownership and system of distribution of a cumulative additional product is especially important. Experience of Yugoslavia, China, Vietnam and Japan is given. In the article is also analysed the experience of planned methods of regulation social and economic processes in Germany and the USA, when a reasonable combination of market and state mechanisms of management in a difficult period for these countries, led to progress.

In article the characteristic of the modern Russian system of internal public financial control and audit, analysis and assessment of the causes, factors and conditions of its transformation in accordance with the principles of international standards and the realities of the crisis development of the Russian economy.

The article considers the organizational and methodological aspects of the audit of the efficiency of budget spending. The system of indicators of resource provision and performance of public institutions and criteria of estimation of efficiency of budgetary funds. The main purpose of the article is justification of the necessity of applying the proposed system the main managers of budgetary funds and of its improvement, taking into account the specifics of the budgetary institutions. Methodological base of research is the generalization of domestic and foreign experience of performance audit that reflects the objective law and the necessity of its application in the context of scarcity of public funds and corruption. The result of applying the proposed system of indicators and criteria for evaluating the effectiveness of budget expenditures carried out by the main managers and recipients of budgetary funds, should be to ensure efficiency in the management of public finances and implementation of government projects and programmes. Significance of the research contained in the article problems and their solutions is to ensure the effectiveness of the regulatory authorities at all stages of movement of budgetary funds andeffective implementation of their Manager and recipient assigned to them socio-economic functions.

The article considers the main trends in the distribution of intergovernmental transfers in the budget system of the Russian Federation at the present stage. The necessity to increase their own revenues of municipal budgets by optimizing sources of tax revenue. Presented by the development of municipalities, possible with sufficient security municipalities own financial resources. Analyzed the actual state of financial relations between public authorities and local governments.

The article considers the main sources of tax revenues to the budgets of the municipal level of the Russian Federation at the end of 2014. Analyzed the actual state tax revenues of municipal budgets, including the dynamics and structure of the main totals of tax revenues to municipal budgets.

In article are presented the existing principles of systemically important financial institutions regulation in Russia and abroad and suggested variants of large banks' regulation development.

This article is based on results of the analysis of the legislation of the Russian Federation in the field of energy saving and energy efficiency. Contains short descriptions of the main directions of the state power policy, and also the description of specific objectives which performance promotes increase of energy efficiency of economy of the Russian Federation.

Article is devoted to the problems of increase of a cash circulation efficiency. The European experiment on the organization of a cash circulation cycle, which is of interest to the Russian financial regulators, is considered.

Article is devoted to the problems arising during the administration when forming profitable base of municipal budgets which is carried out by the government(municipal) financial bodies. The directions of development of relationship of financial bodies are considered by preparation for introduction of a real estate tax. The attention is focused on questions of increase in profitable base of municipal budgets by improvement of the mechanism of the property taxation as bases of social and economic development of municipalities.

Article is devoted to the analysis of efficiency in the sphere of financial administration of the income of budgets at the state and municipal level, and also to formation of revenues of federal insurance off-budget funds by chief managers and administrators of budgetary funds.

The paper considers the problem of reliable supply of energy resources of the regional economy. The approach of rationing energy security indicators characterizing the reliability of power supply systems is presented. Each indicator is classified into three levels: normal, pre-crisis and crisis. The evaluation of the state of the energy sector in the region has been conducted with the help of the method proposed.

One of the important directions of development of the state (municipal control) in the Russian Federation remains the coordination of activities across sectors, however, the insufficiency of the legal framework and the inconsistency of regulations between different units that implement control functions, significantly limit his options and real opportunities to practice.

The article discusses the features of the economic transformation and diversification of the old industrial regions of Poland and the Czech Republic in the context of similar processes in the Sverdlovsk and Chelyabinsk regions. Analyzes the development of alternatives to hyperindustrialized regions.

The article highlights the views ofclassics of the economic thought on the role of remuneration in the process of social reproduction. Analyzed the legal nature of salary in the labor legislation of the Russian Federation. The interrelation of organization and payment of labor at the enterprise. The conclusion is made on necessity of the complex approach in the organization of the system of remuneration of employees.

The article examines the impact of changes in income tax rates on the occupancy of the budget and development of the «shadow economy».

Author examines features of modernization policy in context of «overtaking development», which is representative for economy of developing countries.

The article analyzes the international experience incentive credit relationship between banks and small businesses. Conclusions about the possibilities of successful international practices in terms of the domestic economy.

In article are considered the essence and problems of fundraising, its feature in education, problems of use, and also development prospect.

In the article problems and questions of improvement of consumer crediting in the country taking into account financially-an economic crisis are considered in the recent years. Offers and recommendations about the decision by consumer crediting of social economic problems of the population, to depreciation of the credit resources provided to borrowers, development and realization of new credit products and sales are provided. The attention to formation cross-country - products is paid, to improvement of technologies cross-country - sales, to transfer on the client - the focused strategy, automation of processes at implementation of bank activity at consumer crediting.

The author considers the changes in the factors that determine the financial stability of insurers in the current economic conditions. It proves that not all of them are taken into account in the current approach to assessing the stability of insurers, and defines the main directions of its perfection.

In this study we consider the current state of analysis perspective and assessment of credit risk of separate asset and set of assets forming a commercial bank credit portfolio. Maim problems of banks commercial activity in the field of corporate borrowers financing are being analyzed. In particular, the directions of made decisions validity evaluation in assets quality rating and necessary size of capital against risk reservation. Special attention is given to the perspective of international standards adaptation and IT technologies in credit portfolio management, including modules ofearly warning system (EWS) of threat of liquidity reduction in portfolio due to growth of number of distressed assets.

In terms of what is happening in Russia's economic transformation, there is an urgent need for creating a stable insurance market, contributing to the implementation of General social problems and challenges to protect citizens and organizations from the occurrence of adverse effects. For this purpose, the state authorized bodies, the authorities carried out a special kind of activity - regulation of the insurance business.

Banks need clients as well as clients need banks. They complement one another. This is the clearest demonstration of the very essence of the economy - activity of society, as well as aggregate relations in the system of production, distribution, exchange and consumption. Despite the continuing systematic work of the Bank of Russia to liquidate credit institutions, the number of banks is still high. Users of banking services have a large selection of relevant counterparty, but bank also makes a choice.

In article the concept«risk of professional responsibility» of audit is opened, its interrelation with auditor risk is established, and the model of an assessment of risk of professional responsibility is presented.

The article include analysis of the competitive situation on the market of insurance, and the ways of improving it.

The author considers need and proves possibility of creation of umbrella reinsurance of risks. As a basis of association of independent reinsurance coverages in a one reinsurance treaty, the author takes the law of large numbers and proves the effect of its application by the comparative analysis of the cost of reinsurance coverage.

This article will help you understand and prevent mistakes that traders make when creating and testing trading systems, saving investors and speculators lot of effort, time and money. The paper discusses how the errors themselves, and the features which can be recognized and the error corrected.

The author views necessity of requirement toughening to authorized capital and offers approach to establishment of capital's standards. The author takes as a basis of calculation the index of level of insurance penetration based on relation of total insurance liabilities and equity capital.

The article deals with the historical aspect of the problem of protecting the rights ofconsumers of insurance services. The basic methods of protection of the rights of the insured in Tsarist Russia in the period of the planned economy. The place of the mutual insurance system of measures to protect the interests of the insured. The principles of compulsory insurance, were used in the Soviet period. Based on a retrospective analysis of the problem, proposals for improving the protection of the rights of consumers of insurance services.

Article describes the way new insurance products were created and implemented in Insurance Company «ORANTA» Ltd., subsidiary of Holland group Achmea.

In the article was considered the situation in the banking sector of the Russian Federation during the period of 2014-2015, and the application of the Islamic banking system in the country as the option of maintenance and the way of increase of efficiency in a bank activity, was disclosed the essence and peculiarities of the Islamic banking. In conclusion were produced necessary amendments of the legislation which create conditions for Islamic banks in the Russia, was proposed conceptual diverse approaches of changes and was made conclusions about prospects of the development of this banks in the country.

The article analyzes the regional market of St. Petersburg in terms of the opportunities and prospects for development of tourism and tourist services, identified the strengths and weaknesses and the opportunities and threats to the development of tourism infrastructure in the region, defines the main directions of development of the regional market of tourist services St. Petersburg.

The development of the national insurance system of the Russian Federation in recent years due to the activities of professional associations of insurers created or transformed in accordance with national legislation. Associations of insurers almost close to self-regulation, or are already implementing these functions de facto.

In the article the analysis of Behavioral Economics of Education as an emerging research area within the Behavioral Economic Theory is given. The authors describe key issues of the promising research areas and prove their practical significance for the Russian education system.

This article considers a number of tools that authorities could use to minimize the negative impact of liquidity risk. We can say that the reducing of liquidity requirements has reduced incentives for banks to delay its payments, thus enhancing the resilience and efficiency of the payment system.

Social wellbeing of nation is not only a constitutional goal of the state, but, above all, the quintessence of all large-scale economic and political transformations. In Russian economy the gap between the objectives of social and structural policy is broadening. As a result, in the course of reforms the «vicious circle» of structural problems and reducing the wellbeing of Russians arose and deepens now. This circle consists of the following problems: deindustrialization of Russian economy - decreasing of social wellbeing - decreasing of the necessary for neo-industrialization of economy stable social group - the weakening of factors targeted to the structural changes - the continuation of de-industrialization.

In article the essence of a subjective constitutional law on contest of actions and decisions of regional officials is analysed and the problem of its perception in the constitutional legislation of subjects of the Russian Federation is investigated.

The article defines the role of the state youth policy at both the national and regional level, innovation-oriented domestic economy; management tools discussed formation of innovative environment of the state youth policy; It is identified the importance of state youth policy in the conditions of formation of innovative socially-oriented type of economic development of Russia in the long term.

Education is a major factor of social and economic development of the country, and its evolution belongs to the priority directions. Both today and more than 90 years ago there are reforms in education which first of all concern change of structure, form, quantity and territorial placement of higher educational institutions and their branches. At the beginning of the 2000th years the President and the Government set the tasks of improvement the quality of system of the higher education, an exception of system of higher education institutions of a something ephemeral, machines of issue of diplomas, etc. Similar decisions were in 1921 when the National commissariat of education of RSFSR set tasks of reduction of a network of educational institutions: to their closing, merge, transformation. Also the basis of these decisions connected with social and economic crisis, and also the purpose in education improvement of quality is similar. In article the retrospective and modern analysis of reforms in education, and also comparison of methods of reduction of a network of educational institutions is carried out.

The article discusses various aspects of social stratification in the Russian society. Shows the features of the stratification system of Russia. Shows the classification of the social structure of Russian society. The classification of the factors influencing the differentiation of incomes of the Russian population. Considers the problem of contingent labor and alienation of employees through the system of taxation of physical persons, as inequality trends in socio-labor relations. The directions of regulation of social inequality in contemporary Russia.

The article analyzes the concept of patient lists and describes various types of legal status of a citizen as a patient of a healthcare organization.