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The article is devoted to the research of directions of client-oriented approach application during bank products promotion in Russian banks. Attention is paid to the development of electronic banking, social networks through which consumers receive the necessary information about beneficial offers and special conditions for providing banking services.

Relevance of the article is caused by the fact that investment activity of insurance companies exerts considerable impact on their solvency and financial stability. Insurance reserves and own funds are provided with doubtful or unreliable assets, and the insurer has a risk of non-execution of the obligations for insurance payments in connection with inability to use the investments made in unreliable assets. Thus, there is a need of regulation of investment activity of insurers.

This article describes human capacity development as an aspect of modern secondary vocational education management. According to the author human capacity formation is a part of the development of any direction in economic activity.

The article reveals the concept of economic value added indicator, describing the factors affecting this indicator and provides the characteristic of its main users. The example of calculation of economic value added for a typical company of the wine industry of Krasnodar region, JSC «APF «Fanagoria» has been provided. The role of economic value added for the development of effective development strategy of an industrial enterprise has been developed.

The article analyses the implementation of scientific and organizational methods of organizational design of management system . The author elaborately examines the stepwise algorithm of organizational design and shows the real mechanisms of implementation of innovative pilot projects and assessment of their efficiency.

Three categories are considered in the article from the point of different authors: «transnationalization», «organizational structure», «hospitality industry». Using content analysis of those components, author determination of term «transnational organizational structure in hospitality industry» has been suggested. Due to the fact that the transnationalization distribution is relevant in the sphere of hospitality, the results of the study allow not only to study the theoretical subjects in more detail associated with this issue, but to apply the materials in practice, especially in the problems of current and strategic management.

The article examines the questions concerning the optimization of territorial structure in the Sverdlovsk region associated with the comprehensive transformation of the economy of single-industry towns and mono economics areas. The author has analyzed the population dynamics of the region and industrial production, with allocation of single-industry towns. A classification of towns by type of localization economy has been classified. The author has made some conclusions on quality solution of the problems in the single-industry towns in the Sverdlovsk region.

This article presents the results of socio-economic studies of University students at various levels of training. This study aims at identifying the economic motives of choice of youth in the labour market, the trends in career guidance and expectations of adaptation of students to the contemporary trends in the labour market.

This article describes the problem concerning personnel consulting in Russia. According to the authors, personnel consulting is a relatively independent segment of the management consulting market.

According to the author the rapid growth in international trade has made China widely known as a competitive trade country. However, we shouldn’t ignore the problems in our trade development. Through the analysis of the new development in the theory of comparative advantage, we should lay emphasis on the variability of comparative advantage, develop high- level intra-industry trade and cultivate less developed as well as potential industries, such as the industry of technology.

This article discusses the history of the development of universal equivalent, the opinions about the origin of the money, the similarities and difference of money and the universal equivalent, the properties of money and the development of money in the modern world as well.