scholarly journals СУЧАСНИЙ СТАН І ОСОБЛИВОСТІ ІПОТЕЧНОГО КРЕДИТУВАННЯ В РЕСПУБЛІЦІ КАЗАХСТАН

2019 ◽  
pp. 41-47
Author(s):  
A. C. Биханова ◽  
C. C. Ургушева
Keyword(s):  
Housing Market ◽  
Housing Prices ◽  
Banking System ◽  
Mortgage Lending ◽  
Housing Demand ◽  
The State ◽  
Practical Significance ◽  
Domestic Investment ◽  
Short Term ◽  
The Republic

Formulation of the problem. The development of mortgage lending brings significant benefits to the state. First of all, it helps to solve the housing problem, which is important from the point of view of social policy. This encourages citizens' own initiative. In addition, domestic investment - savings of the populapopulation, money of institutional investors - is involved in lending. The purpose of the article is to reflect the current state and features of mortgage lending in the Republic of Kazakhstan (Kazakhstan). The subject of the research is mortgage relations regarding housing lending in the Republic of Kazakhstan. Methods used in the research: analysis and synthesis, induction and deduction, logical and historical method, scientific abstraction and statistical comparisons. The hypothesis of the research is to substantiate the value of the mortgage to improve the stability and efficiency of the banking system of the country. Secured loans are more secure for banks, because when a loan is not repaid, the bank pledges and repays its funds. Statement main material of the research. In the Republic of Kazakhstan, there is an increase in loans granted to households by second-tier banks for the purchase of housing. Currently, mortgage lending in Kazakhstan is a real opportunity to buy real estate for many working Kazakhstani people with a stable income. Especially in view of the fact that recently, in all mortgage companies, the mandatory first deposit has been reduced from 30% to 10% - 15% of the cost of housing, the loan term has been increased from 3 to 20 years, and the interest rate has decreased from 24 % (2001) to 8% (2018). Originality and practical significance of the research. The proposed measures will provide additional impetus for the revitalization of the Mortgage Lending Program and accelerate the implementation of the President's instructions to provide affordable housing for citizens. Conclusions of the research. In the short term, the massive introduction of a home mortgage lending system will cause an increase in housing demand. Due to the inelastic demand in the housing market in the short term, it is natural that such a situation will lead to an increase in housing prices. The role of the state is to gradually introduce mortgage lending and, at the same time, to systematically expand the housing market by supporting the construction of new homes and creating adequate demand.

scholarly journals The Use of the Foresight Methods in Developing an Algorithm for Conducting Qualitative Examination of the Research Activities Results on the Example of the Republic of Kazakhstan

Mathematics ◽  
2020 ◽  
Vol 8 (11) ◽  
pp. 2024
Author(s):  
Rinat Zhanbayev ◽  
Saule Sagintayeva ◽  
Abildina Ainur ◽  
Anton Nazarov
Keyword(s):  
Higher Education ◽  
Human Resources ◽  
Systematic Approach ◽  
Science And Technology ◽  
Patent Analysis ◽  
The State ◽  
Practical Significance ◽  
Innovative Development ◽  
Research Activities ◽  
The Republic

In modern conditions, it is interesting to study foresight as an effective tool for identifying new strategic scientific directions. Its purpose is to develop an algorithm for conducting qualitative expertise in the application of the foresight methods with the ability to integrate forecast estimates. Currently, the vast majority of research activities results do not contribute to the innovative development of the state. To solve this problem, it is necessary to ensure a stable systemic relationship between specific sectors of the economy and higher education. The algorithm is developed on the basis of a systematic approach to the foresight methods and the use of the methods of bibliometrics, scientometrics, patent analysis and forecasting. The results and conclusions of this study are: an algorithm has been developed for conducting qualitative examination of the results of scientific activities in order to increase its practical significance, in which the authors propose the foresight methods as the most optimal tool for choosing priority areas of science and technology. Putting this approach into practice will make it possible to increase the efficiency of the foresight methods by both reducing time costs, and rationally using monetary and human resources.

scholarly journals INTERREGIONAL ANALYSIS OF THE STATE AND DYNAMICS OF MORTGAGE LENDING

2021 ◽  
Vol 2 (53) ◽  
pp. 174-181
Author(s):  
 E. V. Sitnikova ◽  
◽  
 D. E. Maksakov ◽  
Keyword(s):  
Housing Market ◽  
Banking Sector ◽  
Calculated Data ◽  
Weighted Average ◽  
Mortgage Lending ◽  
The State ◽  
Regional Level ◽  
Mortgage Loans ◽  
Financial Flows ◽  
Business Entities

Subject. Organizational and economic relations developing during the functioning of the housing market and mortgage lending. Topic. Interregional analysis of the state and dynamics of mortgage lending. Purpose. The purpose of the work is to develop directions for increasing the efficiency of mortgage lending as the most important tool for the development of the housing market. Methodology. The study was carried out using abstract-logical, comparative, economic and statistical approaches, a graphical technique for visualizing statistical and calculated data. Results. To analyze the state of mortgage lending at the regional level, the volume of issued mortgage loans in a territorial context was considered, the structure and dynamics of issued mortgage loans for individuals was studied, the debt on mortgage loans was revealed, the dynamics of the weighted average interest rate in each federal district was analyzed. The analytical review carried out in the study made it possible to draw conclusions about the state of development of mortgage lending in the regions, as well as to offer recommendations for its improvement. Application area. The results of the study, the main provisions, conclusions, recommendations are focused on widespread use by business entities in the process of assessing and analyzing their mortgage lending. Conclusions. The significance of this study is due to the need to identify the degree of development of mortgage lending, which is especially important at the regional level. The purchase of own housing, which will be available not only for certain categories of citizens, but also for the majority of the population of the Russian Federation, is ensured through the development of the mortgage lending market. This form of lending contributes to the satisfaction of not only the interests of the bank and citizens, but also allows to ensure financial flows to the development of the real sector of the economy. Keywords: mortgage, mortgage lending, credit organizations, banking sector, housing construction, debt, regional banking system.

scholarly journals International Real Estate Review

2018 ◽  
Vol 21 (3) ◽  
pp. 397-418
Author(s):  
Chin-Oh Chang ◽  
◽  
Shu-Mei Chen ◽  
Keyword(s):  
Housing Market ◽  
Home Ownership ◽  
Housing Prices ◽  
Housing Price ◽  
Poor Quality ◽  
Housing Demand ◽  
Vacancy Rate ◽  
Income Ratio ◽  
Holding Cost ◽  
Housing Vacancy

This paper discusses the contradicting phenomenon of housing demand in Taiwan. First, an introduction is given on the three primary characteristics of the housing market in Taiwan, which are a high housing vacancy rate, high housing prices and high home ownership. Secondly, we explore the motivation and preferences behind housing purchase. Since the housing price-income ratio continues to increase, unaffordable housing prices cause households to suffer from poor quality of life. The issues of housing justice are highlighted. Recently, the demographics and social values have rapidly changed. Therefore, even if homebuyers face unaffordable housing prices, they still prefer to buy housing instead of renting due to the traditional cultural belief that ¡§to have land is to have wealth¡¨. This has resulted in the phenomenon with high home ownership rate yet high housing prices. On the other hand, the low holding cost of housing and imbalance in urban and rural development perpetuate the high housing vacancy rate in the housing market. This results in an unhealthy housing market and misallocation of resources. Finally, recommendations for related government policy making are made based on the findings.

scholarly journals Periodisation of Primary and Secondary Technical and Vocational Education Development in the Republic of Bashkortostan

2020 ◽  
Vol 22 (3) ◽  
pp. 148-171
Author(s):  
T. M. Aminov ◽  
R. M. Asadullin
Keyword(s):  
Vocational Education ◽  
The State ◽  
Phase Changes ◽  
Theory And Practice ◽  
Practical Significance ◽  
Education Development ◽  
Republic Of Bashkortostan ◽  
Technical And Vocational Education ◽  
The Republic ◽  
The Individual

Introduction. Vocational education has always been and still is one of the main factors of successful sustainable development of society as a whole and of the individual in particular. Therefore, in the state policy of different countries of the world, including Russia, special attention is being given to the institutions, which train specialists for the leading sectors of the economy and production. For developing effective policy measures and predicting its effectiveness, it is essential to identify the potential of national vocational education system, to study its phase changes and evolution vectors, to analyse and summarise existing experience in the organisation of the system and to support its functioning at the national and regional levels.The aim of the present research is to identify and characterise the main periods of development of primary and secondary technical and vocational education in one of the major regions of Russia – the Republic of Bashkortostan.Methodology and research methods. The research methodology is based on the system and civilisational approaches. The retrospective analysis was conducted through historical, typological and comparative methods, as well as two conceptual models. In the first model, the pedagogical process is presented as a complete system determined by specific historical conditions. The second model, designed by one of the authors of this article, is based on the logic and structure of this process in its contemporary understanding. These concepts provide adequate analysis and extrapolation of historical and pedagogical experience into modern educational theory and practice.Results and scientific novelty. The authors identified socio-economic, pedagogical, organisational and managerial factors of periodisation of the system of primary and secondary technical and vocational education development of Bashkortostan. For the first time, at the local republican level, the main phases of the process have been identified and described, starting with the pre-institutional stage to the present day. It is demonstrated that the trajectory of gradual formation and improvement of the investigated directions and stages of vocational training in the territory of the Republic of Bashkortostan is regulated by the general laws on the development of social structures. Despite some specificity, the trends in regional education found are quite related to all-Russian processes.Practical significance. The research results can be useful and are already being used when developing and designing vocational development programmes, in particular, they enrich the content of such disciplines as “History of Pedagogy and Education”, “History”, various special courses and curriculum units, concerning the issues on the state and prospects of technical and vocational education. In addition, the research materials can be used for developing regional educational policy.

scholarly journals State support for housing construction in the Republic of Kazakhstan: problems and prospects

2021 ◽  
pp. 149-160
Author(s):  
Yu. V. Fedyarova ◽  
A. M. Rakhmetova
Keyword(s):  
Housing Market ◽  
Housing Stock ◽  
Residential Buildings ◽  
Housing Prices ◽  
Housing Construction ◽  
Existing Problems ◽  
Current Trends ◽  
Role Of The State ◽  
Analysis And Synthesis ◽  
The Republic

The purpose of the study based on the analysis of current trends in the development of housing construction and the assessment of the role of the state in this process, to identify existing problems and propose promising ways to solve them in the Republic of Kazakhstan.Methodology. The article uses such research methods as comparison, generalization, analysis and synthesis, modeling (making a trend forecast).Originality / value of the research. The results of the assessment of the development of the housing market in the Republic of Kazakhstan over the past 18 years allowed us to identify current limitations and problems in its development, including on the basis of the forecast of the development of the housing market until 2025 in order to develop appropriate recommendations for their solution.Findings. According to the results of the study, the process of housing construction development from 2003 to 2020 in Kazakhstan was carried out mainly thanks to state financial support. The results of the trend analysis for the period from 2020 to 2025 showed that the peak of commissioning of residential buildings put into operation will be observed in 2023, and housing prices will increase. In this regard, the authors have proposed recommendations for solving such problems as reducing the level of corruption in the system of distribution of tender purchases, in the process of adoption and commissioning of the housing stock, as well as in the distribution of housing, the closedness of general plans of settlements to the population, insufficient quality of housing and others.

Assessment of the public administration of e-commerce development in the Republic of Kazakhstan

2021 ◽  
Author(s):  
Г.Р. Даулиева ◽  
А.Е. Ералиева ◽  
G. Dauliyeva ◽  
A. Yeraliyeva
Keyword(s):  
Structural Changes ◽  
Legal Regulation ◽  
The State ◽  
Digital Data ◽  
Practical Significance ◽  
The Public ◽  
State Management ◽  
State Administration ◽  
The Republic ◽  
Available Information

Пандемия подстегнула развитие рынка розничной электронной коммерции в Казахстане. По данным исследования PwC Kazakhstan, за год этот сегмент вырос на 93%. Целью исследования является оценка государственного управления развития электронной коммерции в Республике Казахстан. Развитие электронной коммерции вызывает неизбежные структурные изменения в экономике. Сложность регулирования цифровой среды заключается, главным образом, в ее нестатичности, постоянном развитии и изменении. Впервые объектом регулирования становятся правоотношения, связанные с реализацией прав в цифровом пространстве, использованием цифровых данных и технологий. По мнению многих юристов, изучающих эту сферу, должны, соответственно, обновляться и методы правового регулирования. Научная значимость исследования обоснована анализом развития рынка электронной коммерции в РК. Практическая значимость исследования обоснована возможностью использования материалов исследования оценке государственного управления электронной коммерцией в РК. Исследование осуществлялось в рамках доступной информации международных, государственных и общественных организаций, а также научно-практических публикаций в ведущих изданиях периодической печати и интернете. Исследование проводилось с использованием аналитических, сравнительных и оценочных методов, на основе статистических данных, по которым были сделаны следующиевыводы и предложены рекомендации: развитие логистических центров и сортировочных центров; назначение налоговых преференций и введение моратория на налоги для интернет-компаний; интеграция процессов БВУ в межбанковскую систему платежных карт; снижение комиссий по имуществу, подлежащему использованию физическими лицами. The aim of the study is to assess the state administration of e-commerce development in the Republic of Kazakhstan. The development of e-commerce is causing inevitable structural changes in the economy. The complexity of regulating the digital environment lies mainly in its instability, constant development and change. For the first time, legal relations related to the exercise of rights in the digital space, the use of digital data and technologies are becoming the subject of regulation. In the opinion of many lawyers studying this area, the methods of legal regulation should be updated accordingly. The scientific significance of the study is substantiated by an analysis of the development of the e-commerce market in the Republic of Kazakhstan. The practical significance of the research is substantiated by the possibility of using research materials to assess the state management of e-commerce in the Republic of Kazakhstan. The study was carried out within the framework of available information from international, state and public organizations, as well as scientific and practical publications in leading periodicals and the Internet. The research was carried out using analytical, comparative and evaluative methods, based on statistical data, on which appropriate conclusions were made and recommendations were made.

دراسة وتحليل واقع هشاشة النظام المالي في العراق للمدة (2003-2018)

2021 ◽  
Vol 2021 (69) ◽  
pp. 164-187
Author(s):  
م. زياد ع عزالدين طه ◽  
أ.د. عماد محمد علي
Keyword(s):  
Banking System ◽  
Financial System ◽  
The State ◽  
Financial Fragility ◽  
Allocation Of Resources ◽  
Domestic Investment ◽  
Important Goal ◽  
Banking Institutions ◽  
State Potential ◽  
The Impact

The analysis of the reality of the financial fragility of the financial system especially the banking system side of it is recent and it has become an increasingly important goal in the context of macroeconomic policy-making especially its financial and monetary parts and among the reasons that have made attention towards the issue of the fragility of the financial system and that it has priority within The concerns of financial monetary and economic policymakers around the world are the need for sudden financing operations especially investment which necessitated the study and analysis of the impact of the state of the fragility of the financial system in Iraq on the state potential or ability of the country's financial and banking system to face the necessary financing operations especially domestic investment The fragility of the financial system expresses a state of deterioration and instability of the financial system whether the banking side of it (the financial and banking institutions) or the financial market side in a manner in which it does not perform its functions efficiently especially the allocation of resources directing them or making them ready for any sudden financing that could aid the economic situation in the country

CHARACTERISTICS OF THE FINANCIAL SECURITY OF THE BANKING SECTOR IN THE REGION (ON THE EXAMPLE OF THE REPUBLIC OF KOMI)

2021 ◽  
Vol 2 (5) ◽  
pp. 98-108
Author(s):  
M. S. KYZYUROV ◽  
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
The State ◽  
Financial Security ◽  
The Republic

The article presents the characteristics of the financial security of the regional banking sector, examines the threats to the financial state of the banking system in the region. The author's methodology for conducting a point assessment of financial security is proposed, based on the indicative method and the use of the nor-malizing function, as well as the distribution of ratings depending on the points awarded for six security zones. The method is tested on the example of the Republic of Komi. Significant threats to the financial security of the region have been identified, and recommendations for their elimination have been proposed. The meth-odology is proposed to be used when the state authorities and the Bank of Russia monitor the state of the banking sector in the region.

The state and development problems of the banking sector of the Republic of Dagestan

2021 ◽  
Vol 27 (5) ◽  
pp. 1043-1057
Author(s):  
Naida Yu. MAGOMEDOVA ◽  
Patimat G. ISAEVА
Keyword(s):  
Empirical Analysis ◽  
Banking Sector ◽  
Banking System ◽  
The State ◽  
Tabular Method ◽  
National Bank ◽  
The Republic

Subject. This article explores the functioning of the regional banking sector of the Republic of Dagestan in the current conditions. Objectives. By studying the state and identifying problems, the article aims to determine the trends in the banking sector of the Republic of Dagestan in the context of the crisis economy of the region. Methods. For the study, we used an empirical analysis, comparison, and the tabular method to present data. Results. Analysis of the state of and changes in the banking sector of the Republic of Dagestan shows that the number of credit organizations in the region has significantly decreased. This is due to trends such as the consolidation of banks and the consolidation of the banking system as a whole. Relevance. The results of the study can be used by the Bank of Russia's Branch, the National Bank for the Republic of Dagestan, to develop the concept of Main Trends in the Economy and Monetary Sphere of the Republic of Dagestan in the following years.

scholarly journals DOWN PAYMENT POLICY AND ECONOMIC FLUCTUATIONS IN A HETEROGENEOUS DSGE MODEL: THE CASE OF CHINA

2019 ◽  
Vol 23 (5) ◽  
pp. 298-304
Author(s):  
Yiyao He
Keyword(s):  
Housing Market ◽  
Housing Prices ◽  
Property Tax ◽  
Housing Demand ◽  
Economic Fluctuations ◽  
Chinese Government ◽  
Dsge Model ◽  
Payment Policy ◽  
The Relationship

Motivated by the observation that the down payment policy in China is government-controlled and pro-cyclical based on the housing market, I construct a heterogeneous DSGE model to study the relationship between China’s down payment policy, property tax, and economic fluctuations. The results indicate that an increasing down payment ratio suppresses the speculative belief and decreases household’s housing demand. This in turn pulls housing prices down and smoothes the economic fluctuations. By way of counterfactual exercises, I also find that the down payment policy and the property tax can be substitutes for each other. If there is an active down payment policy, the implementation of property tax shall be prudently deliberated by the Chinese government.

Sign in / Sign up

Export Citation Format

Share Document