بواسطة: bassam

أظهر مسح الإقراض المصرفي لشهر يناير من البنك المركزي الأوروبي يوم الثلاثاء أن بنوك منطقة اليورو شددت شروط الإقراض عبر جميع فئات القروض في الربع الرابع.

وتم تشديد معايير ائتمان البنوك لقروض الشركات ، والقروض للأسر لشراء المنازل والائتمان الاستهلاكي في الربع الرابع.

وأشار المقرضون إلى تدهور التوقعات الاقتصادية العامة وزيادة مخاطر الائتمان للمقترضين بالإضافة إلى انخفاض تحمل المخاطر كعوامل ذات صلة بالتشديد.

في الربع الأول من عام 2021 ، وتتوقع البنوك أن تستمر معايير الائتمان في التشديد للحصول على قروض للشركات والأسر.

وأظهر الاستطلاع أن طلب الشركات على القروض انخفض بشكل أكبر في الربع الرابع ، في حين استمر الطلب على قروض الإسكان في الزيادة مما يعكس اللحاق بالركب في الطلب بعد فترة الإغلاق الأولى في الربع الثاني.

وبالنسبة للائتمان الاستهلاكي والإقراض الآخر للأسر ، سجلت نسبة صافية من البنوك انخفاضًا في الطلب في الربع الرابع.

وأشار المقرضون إلى أن الضمانات الحكومية المتعلقة بفيروس كورونا تدعم معايير الائتمان وساعدت في الحفاظ على شروط وأحكام القروض المقدمة للشركات أكثر ملاءمة في عام 2020.

هل تمتلك حساب في واحدة من الشركات المعتمدة والموثوقة لدينا؟

إذا كنت لا تمتلك حساب إضغط هنا

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(Master of Business Administration, master of business administration) is not so much a training program as a Manager's degree (in management). Here it is important to have it, which indicates that you have the skills necessary for a middle-and senior-level Manager. To date, there is no single standard that would allow you to divide the degree of proficiency in these skills, so only the fact of having a corresponding diploma is taken into account.

The first version of such a training system began to be used in the United States in the 19th century. for many companies of that time, employees who knew the latest management methods were in demand. With

In our country, the MBA program started at the branch of the Plekhanov economic Institute. Since then, the standard has taken root and MBA education is now considered one of the mandatory for prestigious vacancies in the economic sphere.

What is the" strength " of MBA education?
As with any other type of training for MBA education, there may be pros and cons. So among the main positive qualities can be noted.
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The opportunity to gain in-depth knowledge in the field of business, from which you can get practical benefits in your daily work.
Increased chances of becoming the head of a large firm. The owners of this education are guaranteed to move up the career ladder.
Getting first-hand knowledge from world-class businessmen, and perhaps even from Nobel prize winners.
A great opportunity to get a job abroad or in our country, but in an international organization.
In General, MBA education increases the qualification level of a specialist, making it more competitive in the job market. But there are a few disadvantages.

For example, today young professionals who have just graduated from UNIVERSITY are trying to get an MBA right away. The motivation is obvious — they want to immediately get a job in a prestigious company for a high-paying position with a career growth forecast. And there may be no time to get additional education in the future. But here's the problem — the MBA provides practical knowledge in contrast to the usual "HSE", which would be better compared with your own business experience. This is the only way to highlight in the entire course the knowledge that will really help in a particular situation. And without experience, everything becomes nothing more than an interesting educational program.

The second disadvantage is again hidden in the lack of practical experience for most of the owners of MBA crusts. It is difficult for them to apply the existing knowledge in practice, they do it with caution, sometimes being late with responsible decisions. To work successfully in a rapidly changing market, you need to work for many years to develop the skills to solve complex problems on the fly.
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Home education pitfalls.
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The first pitfall
What happened to the first boy in family training in our city is the first pitfall. We came across it in the 5th grade. This is the desire of teachers to interrogate (do not ask!) a non-standard student on all issues. No student answers on all topics in all subjects. Only those who are in family training.

I was acutely aware of the teachers ' desire to prove that the system they serve is better. So that others don't get hurt. We found a way out: another school.

Choose the form of training: external. They will impose fewer requirements.

The second pitfall
My mother-in-law worked as a teacher all her life. The students loved her. She took our idea of home education badly. We were lucky to live in different cities.

Once she arrived for 2 days and, as it turned out, did not have time to go to school! I wanted to talk to the class teacher, so that the girl was asked more strictly, so that she didn't want to study at home.

It was a failed betrayal. Sticks in the wheels can be inserted by anyone who does not feel sorry for the child. Such people were always on the way. But my own grandmother...
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My parents didn't agree with our decision either. However, the grandfather wrote to his granddaughter: "Don't see that your mother and I disagree. Listen to your mother, no one loves you more than her."

Detractors are the second pitfall. Inevitable. The worst thing is when it's relatives.

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Natasha finished 10th and 11th grade in one year. 3 times I wanted to drop out of school. Overwork. What held her back was the thought of those who would also study as an external student after her. She knew that she was paving the wa
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Like any other ability, memory can be trained and developed. The main thing is to choose the right exercise program.
Remembering the name of an actor or finding the keys left in the evening can sometimes be difficult. It takes a lot of effort to recover the information you need. Forgetting is a natural process that is designed to unload the nervous system from unclaimed information, to protect it from overstrain. But increased forgetfulness can significantly complicate life. It can be caused by lack of sleep, stress, addictions, or information overload.

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1. Create associations and visualizations

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Such illustrations should be large, three-dimensional, color and as detailed as possible. The skill of coding into visual images is trained and quickly automated. In the future, it will not be difficult to restore in memory both these images, and the meaning that is embedded in them. Once again putting the keys in this or that place, imagine a flower blooming here. In the morning you will definitely not forget where exactly the flower grew in your house, and you will quickly find the right thing.
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The effect will be even better if you take the works of those authors whose collections do not interest you. It will take more energy to learn such verses. Try to delve deeply into their content and reflect on the artistic techniques that the author used. Poetry can be recited in front of a mirror or recorded from memory. Reading aloud is equally useful. It helps to improve diction, intonation and develops auditory memory. If you don't like poetry, learn the lyrics.
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The next stage is complex and consists in defining goals, objectives, research methods, selection and systematization of relevant literature and parallel drawing up of a thesis plan, which is a preliminary outline of the structure and content of future student scientific work. When familiarizing with the sources of information, one should take into account their novelty. The periods of obsolescence of educational literature are established by order of the Ministry of Education and Science No. 1623 of April 11, 2001: for a general humanitarian, socio-economic profile and special disciplines - five years; for general professional, natural science, mathematical subjects - ten years. The measures of relevance do not relate to sources of in-depth fundamental study of the issue. It does not stipulate the order and terms after which research publications: articles, dissertations, reports, etc., are considered outdated, but university regulatory controllers, when checking their thesis for compliance with standards, are almost always guided by the requirements set for textbooks. For informational purposes, no one forbids using them, but in order to avoid sending the finished diploma for revision, it is better to include only works no older than five years in the list of used literature. In January 2017, the order of the Ministry of Education and Science entered into force No. 1651, canceling the effect of orders No. 1623 and No. 133, which regulated the provision of university libraries with scientific and educational literature (it was in them that the terms of its obsolescence were prescribed). The new document aroused a lot of questions from the experts of the academic community, and the official answers of the department to them did not clarify the situation, so teachers still prefer to adhere to the old standards, determining the "expiration date" of the sources used to write the thesis. Algorithm of writing The scheme of work on a diploma is standard for all students - according to a single algorithm, graduates who write both project and research FQPs go to future defense. First of all, you need to decide on a supervisor, then choose a topic. It is approved before the start of the pre-diploma practice, to which the student is sent with the assignment for the FQP signed by the head of the department.
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