Lycine Gomcyan

The article discusses the regulation of credit relations by the government, changes in the discount rate of the Central Bank, as well as the level of operations in the open market and the variation in the norms of mandatory reserves for commercial banks in the country. Open market operations include the purchase and sale of certain types of securities by the Central Bank. There is a formation of a market interest rate on borrowed funds in the credit market. The decisions of creditors are directly proportional to the change in interest rates in the credit market. The very demand for a credit is already in inverse proportion to interest rates. Banks and the government can carry out regulation of interest rates. Financial institutions face various types of banking risks in their operations, which differ by various factors. Thus, the effectiveness of risk management is largely dependent on their classification. Risks in banking may lead to a loss of liquidity and lower profits, and therefore banks tend to anticipate risks and try to reduce them.

Today, advertising is one of the most powerful constituent of commerce, because has a purely commercial nature, it is caused by the fact that advertising is one of the four components of marketing and is defined as the direct treatment to potential consumers for the purchasing of goods or services. The importance of advertising lies in its definition as thoughts which you want to bring to the consumer, therefore the final goal of any advertising is the force on human consciousness to induce it to commit specific action, often consisting in the purchase of the product. In order to turn a man into a potential customer first, and then the buyer must be an impact on the mind, which would form the belief that the subject of advertising fall in to his needs.

The most important element of social and economic development in society is a medical service for population. Public health is one of the leading sectors of the social sphere. The costs of society of the development of public health have not only social, but also economic meanings. The Efficiency of public health as industry service sectors is to protect and restore human health is the main part of the productive forces of the society, thus it contributes the growth of labor productivity, the extension of the working time of workers. All of these promoting the growth of the national income and improving people's welfare. It expresses the most important contribution of public health in the economy. The bank service of health institutions mainly includes the using of non-cash payments, namely card service of the workers of municipal public health. Appearing in the middle of last century, bank cards have spread more than 200 countries, and become an inherent part of the civilized world. Today, the credit cards are the key element of the electronic banking systems and increasingly replacing cash.

The paper deals with issues relating to the investment of the Krasnodar region. The Krasnodar region is one of the most important and priority subjects of the Russian Federation. Despite of the introduction of economic sanctions, the region remains attractive to investors, and they continue to invest their funds in various projects. The investment legislation of the region is one of the most progressive in the country. The legal framework protects and guarantees the rights of investors. The laws of the Krasnodar region provide the state support to investors. Despite of the difficult economic situation in the country, the Krasnodar region is attractive for investments.

Money plays an important role in the economic activities of enterprises in the functioning of state organs, strengthening the interest of the public in the development and improvement of production efficiency, eco-nomical use of resources. With money you can determine not only the total value of the cost of production of each product and the total volume, but also the results of production by means of prices of certain products, all of its volume, the size of the received profit. Thus, money is the main link in economic science. Well-developing and operating the monetary system will contribute to the efficient allocation of resources in our society. If the monetary system will not work and does not develop, it will lead to sharp fluctuations of prices and production volumes, consequently, it will cause political and economic instability.