KUYANTSEV I.A.
Doctor of Economics, professor of the department «Sustainable Regional Development and Forecasting», Institute of Informatics Problems of Regional Management and Kabardino-Balkar Scientific Center, Russian Academy of Sciences

KANAMETOVA D.A.
graduate student, Institute of Informatics Problems of Regional Management and Kabardino-Balkar Scientific Center, Russian Academy of Sciences

TERRA ECONOMICUS, 2013, Vol. 11 (no. 1.2),

p. 48-50

At the end of XX century, society has entered a post-industrial phase of development. Its main characteristic is information technology, which penetrates into all spheres of public life, including the economy. Information from the aid is becoming the decisive factor affecting not only the technical aspects of its application, but which becomes an integral part of the management process.

ELISEEVA T.P.
Doctor of Economics, Professor, South-Russian State University of Economics and Service

LAKIRBAYA I.D.
graduate student, South-Russian State University of Economics and Service

TERRA ECONOMICUS, 2013, Vol. 11 (no. 1.2),

p. 43-47

The article describes the main areas for assessment and development of innovation and investment business process modernized enterprise, vectors of the modernization strategy at the micro level in terms of risk, the degree of formalization of innovation and innovation investment process.

SHAFIROV L.A.
member of the Legislative Assembly of the Rostov region, candidate of sociological sciences, Executive Master of Business Administration (MBA) in Financial Service and Insurance, degree has been conferred by the Universities of St. Gallen (Switzerland), HEC (Montreal, Canada) and by the Vlerick Leuven Gent Management School (Gent, Belgium)

TERRA ECONOMICUS, 2013, Vol. 11 (no. 1.2),

p. 34-42

The paper presents the main features of the modern boom in consumer lending in Russia. Measures for the countercyclical regulation of consumer lending to households are proposed to consider in the context of the financial instability hypothesis H. F. Minsky and in the context of the need to improve social efficiency of consumer credit.

ANDREEVA A.V.
PhD, Associate Professor, Rostov State University of Railway Transport

KHATLAMADGHIYAN D.G.
graduate student, Rostov State University of Railway Transport

YUDIN A.A.
PhD, Associate Professor, Rostov State University of Railway Transport

TERRA ECONOMICUS, 2013, Vol. 11 (no. 1.2),

p. 29-33

The article considers the bank employees directing their initiatives in the “bank of ideas” as the main source of implementation of changes and improvement of bank business processes.

IZMAILOVA N.M.
applicant at the Department of Economics and Business, North Ossetian State University. K.L. Khetagurova

TERRA ECONOMICUS, 2013, Vol. 11 (no. 1.2),

p. 26-28

In today's economy the existing clusters can be structured Rowan into two types – intra and inter-industry, with left clusters constitute the primary object of attention of the theory of industrial clusters. Meanwhile, virtually all promising model clusters formation ed on the basis of linkages that will lead to the formation of a strategic aspect poliklaster production. Hence, the author concludes that the structural dynamics of economic relations poliklaster production determined typology emerging poliklaster, the original part of which are the national macroeconomic poliklastery.

DATSAEVA L.Sh.
PhD, Associate Professor of «Higher Mathematics», Grozny State Oil Technical University named after academician M.D. Millionschikov

TERRA ECONOMICUS, 2013, Vol. 11 (no. 1.2),

p. 21-25

Article about expediency of use of mathematical methods and models at acceptance of administrative decisions (on an example a transport problem).

GALACHIYEVA S.V.
Doctor of Economics, professor at the Department of «Management and Marketing», Kabardino-Balkaria State University named after H.M. Berbekov

DUSHKIN A.I.
applicant at the Department of «Management and Marketing», Kabardino-Balkaria State University named after H.M. Berbekov

TERRA ECONOMICUS, 2013, Vol. 11 (no. 1.2),

p. 18-20

The underestimation of the importance of these tasks creates a real strategic threat to the gradual loss of the main, very important, the structure of scientific, technical and production potential of the country is necessary not only to ensure its sustainable economic growth, but also to strengthen national security. In this regard, of particular relevance are the investigations that reveal the patterns of integration of science, investment and innovation on the basis of innovative development of the economy.

BEZUGLAYA L.A.
post-graduate student of the chair «Economic theory» of economic faculty, Southern Federal University

TERRA ECONOMICUS, 2013, Vol. 11 (no. 1.2),

p. 14-17

Transformation of national economic system, development of businesses and markets are followed by the growing demand of adequate, high-quality, operative and reliable information that requires a huge informatization of whole economy and its different levels, especially the regional one. When information is considered as a main element, economical potential of the regional system, estimation of scale and levels of informatization gains a huge importance. The goal of informatization on the regional level is to provide a necessary level of society awareness that is determined by completeness, accuracy and timeliness of infor-mation which every agent needs. This can be achieved by creation of informational infrastructure which is an essential element for the effective functioning of modern economical systems.

AKOPOVA YE.S.
Doctor of Economic Sciences, Professor of «Commercial and Logistics», Rostov State Economic University

POPKOVA YE.G.
Doctor of Economic Sciences, Professor of «World Economy and Economic Theory», Volgograd State Technical University

TERRA ECONOMICUS, 2013, Vol. 11 (no. 1.2),

p. 5-13

In the article, a need for a «catalyst» for innovative enterprises in the post-crisis global economic development is discussed. The authors stress out orientation of financial and economic tools of global information and communication space to intense activation of production-supply circles that will promote companies on a new level of functional development in unbalanced economic environment. An assessment of the present situation in the world trade markets by analyzing open statistical WTO database in conducted. A broad range of data and social analytics confirm the relevance and competitiveness of e-business, which is based on the progressive differentiation of its contemporary structure and effective overcoming of the financial and economic crisis’s negative effects. After the elicitation and correlation of the research objects’ key features the possible interpretations of the e-commerce as a new growth point at the stagnating enterprises are presented.