Abstract: The goal of this article is the study of conditions for exercising the right of banks to refuse servicing customers (private and legal entities) in accordance with the Federal Law of 08.07.2001 No. 115-FZ “On Countering the Legalization of Illicit Gains (Money Laundering) and Financing of Terrorism”. Attention is focused on such aspects of the topic as the bank’s control over suspicious transactions; legal and factual grounds for declining transaction or by the bank, as well as signing deposit agreement or dissolution of existing deposit agreement; procedure for using customer blacklist by the bank; “rehabilitation” mechanism for bona fide customers. In the course of this research, the author analyzes the FATF international standards, as well as position of the Federal Financial Monitoring Service of the Russian Federation and Central Bank of the Russian Federation on mandatory and “suspicious” monitoring in the area of counteracting money laundering and financing of terrorism (including the project of the Central Bank of the Russian Federation on creating a uniform automated database to identify high risk categories of customers for banking sector. The author’s special contribution lies in determining effective correlation of public and private interests in the context bank’s refusal to service customers, as well as formulation of certain recommendations for customers on optimization of collaboration with the bank, substantiation of economic meaning of committed transactions, provision and updating of the customer identification information.

Keywords: bank, bank operation, suspicious operation, bank account, bank deposit, financial monitoring, anti-money laundering, countering the financing of terrorism, denial of banking services, client's rehabilitation

References:
Informatsionnoe pis'mo Banka Rossii ot 15 iyunya 2017 g. № IN-014-12/29 «Ob uchete informatsii o sluchayakh otkaza ot provedeniya operatsiy, ot zaklyucheniya dogovora bankovskogo scheta (vklada), o sluchayakh rastorzheniya dogovora bankovskogo scheta (vklada) s klientom, dovedennoy Bankom Rossii do podnadzornykh organizatsiy, pri opredelenii stepeni (urovnya) riska klienta» // Vestnik Banka Rossii. 2017. № 53.
Informatsionnoe pis'mo Banka Rossii ot 12 sentyabrya 2018 g. № IN-014-12/61 «Po voprosam primeneniya Federal'nogo zakona ot 07.08.2001 № 115-FZ «O protivodeystvii legalizatsii (otmyvaniyu) dokhodov, poluchennykh prestupnym putem, i finansirovaniyu terrorizma» v chasti funktsionirovaniya mekhanizma reabilitatsii klientov» // Vestnik Banka Rossii. 2018. № 71
Metodicheskie rekomendatsii Banka Rossii ot 10 noyabrya 2017 g. № 29-MR «O podkhodakh k uchetu kreditnymi organizatsiyami informatsii o sluchayakh otkaza ot provedeniya operatsiy, ot zaklyucheniya dogovora bankovskogo scheta (vklada), o sluchayakh rastorzheniya dogovora bankovskogo scheta (vklada) s kliento

Abstract: The subject of this research is the private remittances of economic migrants sent to their home country from the developed countries and accepted by the international community in accordance with the Monterrey Consensus as a resource of economic development and growth of the receiving countries’ economies, which concentrate only on the growth rate of the volume of incoming funds, rather than their origin. Attention is focused on the assessment of adequacy of the Monterrey approach in the aspect of the possibility of withdrawal of “gray” and shadow economic zone of remittances with participation of both, “donor” and “recipient” countries. Overall, the Monterrey approach seems inadequate in the assessment of monetary transfers as a source of growth and development, without differentiation. As a result of this research, the author determines the failure of only the technical regulation of the tariffs of international transfers within the framework of concept of incentivizing them as a growth resource (Monterrey Consensus). They become such only in exercising the 40 FATF recommendations, ILO Recommendation No. 86, as well as national labor, migration and tax legislation of the country of origin. The results of this research can be useful in devising measures for Russian financial regulation and oversight, as well as analytical assessment of the financial potential of the market of financial remittances.

Keywords: development source, paralegality, migrant, economic, Consensus, the Monterrey, FATF, remittance, payment system, cross-border transfer

References:
Krivoruchko S. V. Konkurentsiya i regulirovanie sistem roznichnykh platezhey // Sovremennaya konkurentsiya. 2009. №2. S. 94-102.
Revinova S. Yu. Nekotorye aspekty denezhnykh perevodov migrantov // Vestnik Rossiyskogo universiteta druzhby narodov. Seriya: Ekonomika. 2013. № 3. S. 38-47.
Monterreyskiy konsensus Mezhdunarodnoy konferentsii po finansirovaniyu razvitiya. Prinyat 18-22 marta 2002 g. // Ofitsial'nyy sayt OON [Elektronnyy resurs]. URL: http://www.un.org/ru/documents/decl_conv/declarations/monterrey.shtml (data obrashcheniya: 13.03.2019).
U.S. Department of State [Elektronnyy resurs]. The U.S. Approach to International Development: Building on the Moterrey Consensus. Washington, D.C. URL: http://www.state.gov (data obrashcheniya: 13.03.2019).
Fakhrutdinova E. et al. The influence of cross-country technological transfer on economic profit formation // Middle East Journal of Scientific Research. 2013. Vol. 17, 12. Rr. 1632-1634.
World Development Indicators and World Bank Development Prospects Group. [Elektronnyy re

Abstract: In his article Ivko analyzes the method of market multipliers in estimating the value of a Russian company. Through his research Ivko gives an answer to the question whether this method is actually beneficial. The research involves the analysis of 46 Russian companies operating in 9 economic sectors. The author also touches upon opportunities and validity of applying multipliers of peer companies, advantages and disadvantages of that method. According to the researcher, there is enough ground to apply the method of peer company multipliers in case we want a fast estimation, or as an additional method to prove the company value that was calculated using other methods (revenue-based or cost-based). Through caculation and evaluation of the correlation coefficient for a number of economic sectors of the Russian Federation, the author defines a relationship between volatility of share price and volatility of price multipliers P/E and P/B and analyzes the force and direction of that relationship. The researcher also provides an evaluation of possibilities and validity of applying multipliers of regional peer companies to evaluating the Russian company values for the period since 2006 till 2016. The results of the research described in this article prove that the peer company method creates serious risks i evaluating the Russian company value which may result in an incorrect and very different from the 'expected by the market' company value. All economic sectors have their own history of development, structure specifics and particularities of price formation. To reduce the risk of using the multiplier method, it is necessary to carry out a preliminary regional analysis of the existing correlation and analyze volatility of share prices and indicators that reflect the results of the company's activity for the period. The calculations may then answer the question whether the multiplier method should be used and to what degree the results can be 'fair' and 'right' for the company. 

Keywords: correlation, share price, volatility, valuation, multiplier, market approach, coefficient of determination, company value, comparisons, Risk

References:
Damodaran A. Investitsionnaya otsenka // M. Al'pina Biznes Buks. 2004. 1342 s.
Danilov E.V., Ibragimova Kh.K., Nesterenko E.A., Ulugova A.E., Chalov I.A. Sovremennye issledovaniya osobennostey primeneniya metoda rynochnykh sravneniy na razvitykh i razvivayushchikhsya rynkakh // Korporativnye finansy. 2013. №2(26). S. 102–115.
Lobanova E.N., Limitovskiy M. A., Minasyan V.B., Palamarchuk V.P. Korporativnyy finansovyy menedzhment // M.: YuRAYT. 2012. S. 289-359.
Palamarchuk V.P. Otsenka kompanii dlya obosnovaniya strategicheskikh resheniy // M.: GOU VPO ANKh. 2008. 285 s.
Rosh Dzh. Stoimost' kompanii (ot zhelaemogo k deystvitel'nomu) //Minsk : Grevtsov Pablisher. 2008. 341 s.
Teplova T.V. Investitsii // M.:YuRAYT. 2011. razdel 5. C. 513-579.
Cherkasova V.A. Modelirovanie rynochnykh mul'tiplikatorov na razvivayushchikhsya rynkakh kapitala // Upravlencheskiy uchet i finansy. 2016. C.108-129.
Chirkova E. V. Kak otsenit' biznes po analogii // M.: Al'pina Biznes Buks. 2009. 194 s.
Federal'nyy zakon "Ob otsenochnoy deyatel'nosti v Rossiyskoy Fed

Abstract: To develop development strategies and make competent management decisions, it is necessary to have a fair presentation of peculiarities of a modern enterprise, completely fulfil one's obligations and fund investment projects. At the present time researchers and experts use a number of methods for assessing the financial capacity that can provide an overall evaluation of a company's financial status. However, these methods consider financial indicators only for the accounting period and do not cover dynamics of financial indicators over years which does not allow timely notice and record and rate positive or negative tendencies in the finances management. The purpose of the present research is to develop methods for evaluating the financial potential of an enterprise and make procedural guidelines about how to develop it. To obtain valid results, the authors have used such research methods as the monographic method, logical and comparative analysis, analytical grouping of data, methods of the absolute and relative values. The scientific novelty of the research is caused by the fact that the authors combine two criteria within the framework of one evaluation method. These criteria include the value of the financial indicator and the growth rate of the financial indicator. Based on the results of the analysis, the authors have described three categories of the financial potential: high, medium and low. The method was tested based on the analysis of 50 industrial enterprises. As a result of their evaluation, the authors have defined the main financial and economic problems faced by enterprises at the marco- and micro-levels and make procedural guidelines aimed at developing the financial capacity of enterprises. The method developed by the author can be used to evaluate the financial capacity as well as to develop the theory of evaluating the financial status and financial capacity of enterprises. 

Keywords: financial capacity of an enterprise, financial independece, financial stability, rating evaluation method, return on assets, financial indicators, financial accounts, managing finances, financial resources, finances of an industrial institution

References:
Kurbanov G.N. Audit konsolidirovannoy finansovoy otchetnosti // Nalogi i nalogooblozhenie. 2012. № 5. C. 11-14.
Burtseva E.V. Osnovnye podkhody k sovershenstvovaniyu metodov otsenki finansovoy ustoychivosti promyshlennykh predpriyatiy v usloviyakh nestabil'nosti // Trendy i upravlenie. 2013. № 1. C. 78-89. DOI: 10.7256/2307-9118.2013.01.9.
Sheremet A.D, Sayfulin R.S., Negashev E.V. Metodika finansovogo analiza. M.: Infra-M, 2003. 216 s
Sheremet A.D. Teoriya ekonomicheskogo analiza. M.: Infra-M, 2011. 352 s.
Shcheglov E.V. Metodika otsenki potrebnosti predpriyatiy v podderzhke v ramkakh promyshlennoy politiki // Aktual'nye voprosy sovremennoy nauki. 2015. № 2. S. 111–118.
Khisamova A.I. Otsenka organizatsionno-ekonomicheskogo mekhanizma upravleniya predpriyatiem // Vestnik Permskogo universiteta. Seriya: Ekonomika. 2015. № 3. S. 92–103.
Tolstykh T.N., Ulanova E.M. Problemy otsenki ekonomicheskogo potentsiala predpriyatiya: finansovyy potentsial // Voprosy otsenki. 2004. № 4. S. 18–22.
Sukhova L.F., Kryuchkova I.V., Botsyun I.B. Anali

Abstract: In this article the authors offer their own method of evaluating the level of corporate economic security. In the modern economic situation enterprises that function in different economic sectors and bear the responsibility to make and implement managerial decisions are evaluated for their efficiency that implies not only their financial stability but also the level of endowment of materials and equipment, HR policy and overall productivity indicators. This information is revelant not only for the economic entity but also external groups of users. In their article the authors analyze the main terms that describe economic security of business entities. The method offered by the authors include five stages. The first stage implies evaluating material and technical security. The second stage is the evaluation of the level of corporate financial security. At the third stage the level of HR security is evaluated. At the fourth stage the efficiency of corporate activity is estimated. Consequently, at the final stage the integral ratio of the level of corporate economic security is assessed. The novelty of the research is caused by the fact that the authors develop the method for evaluating the level of corporate economic security. Depending on the specific nature of the activity, this method can be applied using another necessary group of three indicators, thus increasing the treshold level by three. It should be also noted that the authors have considered relative (growth rates) but not absolute indicators. 

Keywords: efficiency of activity, threshold level, ratio, financial leverage, material and technical security, material availability, financial stability, logistical security, economic security, labor efficiency

References:
Eriashvili N.D. Ekonomicheskaya bezopasnost': Uch. posobie dlya studentov vuzov / V.A. Bogomolov, N.D. Eriashvili, E.N. Barikaev; Pod red. V.A. Bogomolova. M.: YuNITI-DANA, 2010. 295 c.
Suglobov A.E. Ekonomicheskaya bezopasnost' predpriyatiya: Uch. posobie dlya studentov vuzov / A.E. Suglobov, S.A. Khmelev, E.A. Orlova. M.: YuNITI-DANA, 2013. 271 c.
Ivolga A.B. Ekonomicheskaya bezopasnost' i ee sostavlyayushchie kak osnova zhiznedeyatel'nosti korporatsii // Molodoy uchenyy. 2012. № 1. T. 1. S. 113-116.
Esembekova A.U., Paliy D.V., Sumarokova M.A., Belonogova E.S. Analiz i regulirovanie ekonomicheskoy prestupnosti v sovremennoy Rossii // Sovremennye tendentsii razvitiya nauki i tekhnologiy. 2015. № 4-5. S. 56-63.
Dontsova L.V., N.A. Nikiforova Analiz bukhgalterskoy (finansovoy) otchetnosti: praktikum. 5-e izd., pererab. i dop. M.: Delo i servis. 2015. 159 s.
Borovinskikh V.A., Esembekova A.U., Pavlutskikh M.V. Opredelenie effektivnosti ispol'zovaniya zaemnogo kapitala sel'skokhozyaystvennymi predpriyatiyami // V mire nauchnykh otkrytiy.

Abstract: The specific features of the formation, distribution and use of human resources in a given region are determined by regional differences in natural conditions and resources, demographic base and economic potential, which leads to the development of specific abnormalities in the functioning of the labor market in the region, the current level and structure of employment, etc. Regional specific features are also the cause of differences in part of the response of local labor markets to changing economic conditions. In this article, the author attempts to analyze the state of the labor market of the Republic of Tatarstan as of 2014. Attention is paid to the issues such as: the structure of the labor force (gender, age, education), the main sectors of the economy represented in the Republic, the levels of unemployment and migration in Tatarstan. As the main research method, Husiyanov has used the analysis of statistical data provided by the governmental statistics agencies, Rosstat and TatStat. As the findings of this study, it may be noted that at present the labor market in the Republic of Tatarstan is in the process of restructuring: the value of some sectors of employment declines, while others grow. The registered unemployment rate on the labor market at the moment is not high, but it is probably due to the small number of appeals made by the population to the governmental employment services. 

Keywords: labor market, Tatarstan, Republic Of Tatarstan, Labour migration, Employment, Regional development, industry sectors, Able-bodied population, unemployment, unemployment rate

References:
Goncharova N.P., Noyanzina O.E., Avdeeva G.S. Migratsionnye protsessy i sotsial'naya bezopasnost' rynka truda prigranichnykh regionov Rossii // Natsional'naya bezopasnost' / nota bene. - 2014. - 1. - C. 50 - 60. DOI: 10.7256/2073-8560.2014.1.9873.
Bugaeva N.V. Osobennosti i dinamika regional'nogo rynka truda v usloviyakh makroekonomicheskikh krizisov na primere Respubliki Tatarstan // Kreativnaya ekonomika.-2009.-№ 6 (30).-S. 87-91 . URL: http://www.creativeconomy.ru/articles/2324/
Raspredelenie chislennosti zanyatykh v ekonomike po vozrastnym gruppam (po dannym vyborochnykh obsledovaniy naseleniya po problemam zanyatosti; v protsentakh) // Ofitsial'nyy sayt TatarstanStat. URL: http://tatstat.gks.ru/wps/wcm/connect/rosstat_ts/tatstat/resources/bf3f5f804d0216bf85f3d50d9d5f7b1a/%D0%A0%D0%B0%D1%81%D0%BF%D1%80%D0%B5%D0%B4%D0%B5%D0%BB%D0%B5%D0%BD%D0%B8%D0%B5+%D1%87%D0%B8%D1%81%D0%BB%D0%B5%D0%BD%D0%BD%D0%BE%D1%81%D1%82%D0%B8+%D0%B7%D0%B0%D0%BD%D1%8F%D1%82%D1%8B%D1%85+%D0%B2+%D1%8D%D0%BA%D0%BE%D0%BD%D0%BE%D0%BC%D0%B8%D0%BA%D0%B5+%