In forming the list of indicators of regional development has been allocated three blocks of indicators of systemic ('economic potential', 'production and trading activities', 'Sociology and Demography'), to the fullest as characterizing the current level of development and socio-economic situation of regions. They include a comparative estimate of the overall level of the Russian Federation; state the most important branches of material production; financial situation of the regions; investment activity in the regions and the level of personal incomes, employment and the labor market regions, the ecological situation in regions, states the most important sectors social workers; international economic activity in the regions. Based on this technique, a classifier built investment attractiveness of regions for 2003-2004. Analysis of the dynamics of individual indicators allowed build their forecasted values for the period up to 2007. Based on these indicators ranked by numerical score was constructed integral breakdown of investment attractiveness of Russian regions in 2007. Classifier investment attractiveness of regions can be estimated for each of the regions of the Russian Federation integral rank and the ranks of investment attractiveness of the economic, industrial and Social Development – to rank the regions of the Russian Federation on the investment attractiveness of regions, and to determine'lidery 'Regional nedvizhimost'serednyaki' and outsiders' – to assess the dynamics of investment attractiveness of each region – to assess the risks of construction projects in various regions to plan investment resources and the profitability of projects..
This happens for different reasons: somewhere to work with distressed borrowers is not selected personnel from someone – a business, put on stream: the longer a customer does not pay, the greater the amount of debt that can then be ‘knock out’. But after the second non-payment has already come into play non-bank specialists specialization. The borrower may continue to believe that about him at the bank forgot, but in reality the debt recovery process is just beginning to act. At this stage, with the debtors have staff of the same bank, the truth is already out of the security services. The majority of problem loans is extinguished before the announcement of default, ie, after 2-4 months after the first delay.
Most people are afraid of the consequences for his reputation. And not in vain. After some time on each Russians ever who got a loan from banks can establish a credit history. The fact of nonpayment of the loan will remain forever in this document, and subsequently can cause denial of credit. In any case employees to return long story problem borrowers about troubles that may befall them in the event of default. However, does not bring the case before trial did not all agree.
Then the tone of communication with the debtor is changing dramatically. Warning letters, phone calls and personal visit of representatives of law enforcement departments of the bank to neighbors, relatives and at work – a short list of interventions. Psychological pressure, in most cases work.
The crisis exposed the still quite a lot things that were hidden by the race of prices. The Japanese, as we think it wise narodec, also during the financial crisis in America slashed, as history shows, during the crisis seventieth Japanese also have invested in the U.S. Property badly burned, and the prices for twenty years and have not risen. The same phenomenon can be observed here. As analysts began to talk – real estate prices will rise in the middle of two thousand and ten. Times during crisis, reduced construction and erection of dwelling houses, the market will be reduced sentence, which would push prices up. Let's look at analysts' expectations, to which they lead.
Act on the mass consciousness psychological factors. If you go into people's minds the team that you can buy real estate, all there is no crisis will not help. Immediately a demand, and not deferred, namely investment. Now, in times of crisis Real estate purchase are the people who really need and have the opportunity to make a purchase, you have a real demand for property and now we are seeing, not the frozen or pent-up demand. I'm passing by new home, which already delivered, as two years on the street is dark, and the house is burning just a couple of windows, and where everyone else had gone to meet Christmas, or skate skiing. There is no other, older homes with the windows procedure, the light is everywhere. This is the snapshot data, which shows that the house is put, the apartments are sold out, but this investment apartment investors for some reason can not take them, or even what causes it, but eventually the house stands empty, and these homes only three on my street. And I remember how, in Soviet times, drove in new buildings, in an old apartment in the morning and evening in a new, and let's find out where friends in what is now live an apartment, everything happened in one day, then immediately tree planting and improvement of the territory, but that the Soviet years, then lived poorly.
That will show us two thousand and ten years, no one can predict, no analyst can help. What with the crisis, where did he go, like anything did not, but the crisis has passed. And that shows us the labor market, we have unemployment has come to naught, of course not. Unemployment is only growing, credits for businesses have not started to issue. Where to rise, which could affect effective demand of the population? This article must be read at the end of two thousand and ten, that would be interesting to see who was wrong with the forecasts, and some do not.