The article substantiates the relevance of the study of the educational services market in terms of its modernization. Reforms carried out by the state in various fields of activity have contributed to the reform of higher professional education in Kazakhstan. The essence and the structure of the given market are revealed in the article as well as the specific nature of its interaction with the labor market. The analysis of the educational services market of higher education was also carried out. The author's view on the modern trends of the higher education market in Kazakhstan is presented based on the results of the study. It is concluded that the determining criterion for the effectiveness of the educational process is in the quality of educational services.

In article the main trends in the dynamics and structure of financing education in the leading Western countries are considered in the framework of the concept of cost sharing. The ratio of private and public spending on education, student spending on tuition, the main forms of state support for students and their families are analyzed. The analysis of the demandfor private educational loans to students and households. The authors compare the dynamics of financing and the number of students, which makes it possible to identify positive and negative trends in the development of higher education. The analysis shows that in the period under review, the differentiation of higher education systems into two groups increased, with increasing and decreasing state funding. The analysis showed that the system offinancing higher education in developed countries is signiicantly diferent. Today, investment in education is seen as the most important factor in improving competitiveness, leading to the continuous growth of the economy.

Projects that involve the introduction of innovative solutions and have a significant level of digital technology involvement are characterized by a high level of uncertainty. This is due to the fact that their activities involve constant research and attempts to apply something new and unconventional. The invested financial resources of investors can both bring a significant profit, and not return at all in the event of a failure of the project. In this situation, business valuation using speciic methods becomes particularly relevant. This article presents a method for evaluating an IT project using real options, which allows you to respond to sudden changes in market conditions, which is essential in a highly competitive environment. Using the binomial approach of this method, it becomes possible to take into account various scenarios for the development of an innovative project and predict risks.

The study, within the framework of logical and economic analysis, examines modern processes of ensuring the economic security of the hotel business at the regional level. The methodology of the study included: personal surveys of managers of hotel business of the region, clients-consumers of hotel services; Author 's monitoring and analysis of information materials on the development of economic processes for the provision of hotel services in the region; SWOT analysis of the «AMAX Park Hotel»; Analysis of statistical information, including Rosstat. Descriptive statistics allowed to generate quantitative data on the stated problem and to present them in tables. As a result, the authors propose directions of improvement and levelling of problems of innovative development of hotel business from the point of view of ensuring economic security at the regional level.

Analysis of such a process as PPP is necessary at this time, since it could help solve the problems of the Russian economy associated with various crisis manifestations. For effective functioning of public-private partnership, it is advisable to analyze the General state of PPP in the country. It is also necessary to go deeper into the process of implementing the PPP itself, as a project of the state and private parties. The article discusses the branches of the Russian economy that use the PPP mechanism. As a result of the research, we will get a conclusion about the socio-economic vector chosen by the state, which industries are priority for it and business, and what procedure follows the implementation.

Regional financial resource provision depends on the capabilities (potential) of the subject of the Russian Federation and determines the main opportunities for the development of the territory. The resource provision of territorial development depends on a number of factors, such as budgetary security, investment attractiveness, credit activity, a sufficient income level of the population of the subject of the Russian Federation, which determines the need to develop an effective mechanism for managing financial potential, the main elements of which are the main factors that determine the financial stability and security of the economy . Therefore, this study is devoted to the management of financial potential based on the optimization offinancial flows of the territory, which will form a regional concept of resource provision for inancially safe economic development.

The main problems of management at small enterprises are reviewed and particularities of marketing and management in small business are highlighted in the article. Lately the number of small enterprises are being shrunk in correspondence with the lowering of their profitability and personal income and the conditions of business activity overall in the country. In such conditions the questions of effective small business management become of the highest priority. Indeed proper management and marketing decisions let an enterprise to adapt to the new conditions and continue its activities. The significance of these questions arises from the fact that small business forms competitive environment inside the consumers' sector of economy and influences the economical development directly.

The goal of the article is to conduct a comparative analysis of the key features of information systems used in the decision-making process in terms of their implementation effectiveness. Achieving the stated goal involves solving two problems, namely: to explore the theoretical foundations of the use of information technology in decision making; to identify the basic characteristics of the applied information systems in terms of the efectiveness of their implementation in the decision support system for various planning periods. Such an analysis will enable to optimize the choice of the appropriate service. The study showed that evaluating the effectiveness of an information system depends on its adequacy to a task solved.

The article discusses various aspects of the dependence of human capital formation on the economy and its development, as well as a marketing analysis and comparison of existing global trends in this area. The solution of new strategic tasks should be based on the development of human potential, which is primarily provided by the development of education. Within the framework of such an important concept, an equally significant factor in itself is considered - the development of the Institute of education and its accessibility to the General population. At the end of the publication, the authors concludes that human capital, its systematic acquisition, accumulation and renewal are directly related to the trends of the country s economic recovery.

Within the framework of the article, the authors made a study of the labor potential of the Tambov region and its role in ensuring long-term economic development of the region. During the analysis of population dynamics and labor resources indicators, the authors identified the key reasons for the unsatisfactory demographic situation in the region, which form a chronic shortage of labor resources. Comparative analysis with neighboring regions (as well as Moscow and the Moscow region) shows that the Tambov region currently has extremely low starting demographic and economic positions, which in the foreseeable future will not allow to reverse the trend of increasing labor deficit. As a result this makes the official forecasts of economic growth in the region unrealistic.

This article is devoted to the current state and problems of consumer lending in Russian commercial banks. As a result of the research, it was found that during the analyzed period, the volume of consumer lending in Russia increased, reaching the level of 17 475 billion rubles in December 2019. Almost half of the working population of Russia has consumer loans. In January - February 2020, 2.61 million consumer loans were issued. The identified problems in the sphere of consumer lending included: unsecured loans, a decrease in the solvency of the population, a fairly rapid spread of Express lending (from January 2018 to January 2019, the growth in the volume of issued POS loans amounted to 8.8%), high interest rates on consumer loans, and as a result, a high percentage of non-repayment of loans. The share of overdue debt on consumer loans is still quite high, although it has a reduction dynamics. in the 4th quarter of 2019, the decrease in the share of overdue debt on consumer loans is typical for almost all regions. In January 2020, the reduction of consumer loan debt (15.5%) continued.

He article is devoted to the analysis of the priority directions of innovation in industry, highlights the trend of technological development - the implementation of digital twins. New opportunities for industrial cooperation in the conditions of digitalization and the advantages of creating a network organization of participants in the implementation of digital projects are studied. Network interaction is defined as a form of effective competitive cooperation in the development and implementation of digital counterparts in the field of industrial production. The network model of interaction is designed on a platform basis to optimize the management of the processes of creating and implementing digital twins, efficient distribution and use of resources of cooperation participants, and the production of competitive industrial products.

In recent years, the issue of death and disability as a result of road accidents has become very relevant in Russia. As a result of road accidents, millions of Russians are killed and injured, not to mention the economic damage, which amounts to billions of rubles. In order to improve road safety in accordance with presidential decree No. 204 of 7 may 2018 «On national goals and strategic objectives for the development of the Russian Federation for the period up to 2024», the state project «Safe and high-quality roads» has entered into force. In this article, the authors attempt to assess the effectiveness of this project. On the basis of official statistics, an analysis of road accidents in Russia for 2012-2019 was conducted; the dynamics of accidents, injuries, and deaths as a result of road accidents were studied; the reasons are identified and the assessment of changes in the situation for the problem being solved is given. In conclusion, the relevant conclusions are made about possible ways to solve the problem of road accidents in Russia

As a result of the research, scientific and practical recommendations on the formation of energy security of the Russian Federation and its role in enhancing the energy security of the BRICS countries have been developed. It is substantiated that the formation of energy security of the BRICS countries is closely interconnected with the economic development of the countries and their mutually beneficial cooperation in the field of energy. It is established that the strengthening of the energy security of the BRICS countries is influenced by the strengthening of political, economic and trade aspects of the partnership between the Russian Federation and the BRICS countries in the conditions of volatility of the external and internal environment. The article proposes directions for increasing the efficiency of energy security of BRICS countries.

The article defines the foundations of theorization the success of productive personality formation in a broad, narrow and local sense that characterizes a pedagogical phenomenon from the perspective of an objective scientific search, understanding the quality of the phenomenon being studied, systematizing, theorization and epistemological-semantic, system-functional and productive-creative interpretation of data. A typology of success models ofproductive personality formation in a system of continuing education is presented, concepts and functions of theorization the success of productive personality formation in a continuing education system are clariied, principles of theorization of successful productive personality development in a continuing education system are highlighted, the possibilities of choosing methods and creating technology for theorization the success of productive personality formation are detailed in the system of continuing education, the tendencies of theorization success productive personality formation in the system of continuous education, pedagogical conditions are formulated to improve the quality of productive formation of the person in system of continuous education, disclosed prospects for future work.

This article reveals the content of the concept of «legal consciousness)). Legal consciousness of teachers is considered as the difficult complex education including two interconnected components: legal ideology and legal psychology, individual knowledge of the teacher, its personal values and strong-willed potential. The legal psychology in turn includes such structural components of sense of justice of the teacher of the educational organization as: cognitive and informative, emotional and valuable, activity - regulatory. As a result of the conducted research the most important elements of legal consciousness of teachers among which backbone are defined are allocated: legal knowledge (legal awareness), relation to the right (estimates, beliefs, valuable orientations) and legal installations, relation to institutes of the right, objectiveness, legal activity.

The article analyzes modern views on classification structures and substantiation of features of educational motivation based on the unified approach. In a comparative way, the content, structural, and functional parameters of the motives of educational activity considered by various scientists are revealed. Based on the identification of the essential characteristics of internal and external educational motivation, its relationship with groups of motives is established, which are defined as the motives inherent in the educational activity itself, and the motives associated with the result of teaching. It is proved, that in the conditions of the educational process, the motives of educational activity act as a single essential-semantic, structural, determinational and functional system, and its detailed characteristics are given. The strengths and weaknesses of individual groups of educational motives are systematized, and the factors that determine their effectiveness and effectiveness in ensuring the success of training are shown.

Summary information on the implementation of the «Member of the Youth Science and Innovation Competition)} program in the Stavropol territory and the North Caucasus Federal district for 2019-2020 is analyzed. The article provides information about the winners of the «Member of the Youth Science and Innovation Competition» in the Stavropol territory and the North Caucasus Federal district, which served as the basis for the formation of a unified database on the winners of the competition. There is an increase in the participation of young people of the region in the program «Member of the Youth Science and Innovation Competition» Fund. The number of submitted applications from scientists of the Stavropol territory for ten years of the program was 2,731 projects, or 56.0 % of the total number of applications for the Northern Federal district.

The article discusses the experience of organizing a family policy system in Sweden. It describes the methods, innovative forms ofworking with the family and analyzes the experience and effectiveness of family policy in a historical, socio-economic and political context. The effectiveness of the implementation and execution of government programs in the family policy system of Sweden is assessed. Based on the results of the study, the problems of the development direction of the Swedish family institution were identified and formulated, as well as a number of activities within the framework of its development vector were proposed.

The relevance of the problem under study is due to the fact that the digitalization of modern teacher education, according to the adopted national program «Digital Economy of the Russian Federation», should provide training for highly qualified personnel who are able to apply modern and advanced information technologies with a high level of digital skills, competencies that correspond to social ordering and the requirements of the digital economy. Based on these requirements, it becomes necessary to form the future teacher's readiness in the use of virtual and augmented reality technologies in professional activities. The technology of forming the future teacher's readiness to use virtual and augmented reality applications in the educational process is developed, its effectiveness is shown.

The study is devoted to the analysis of the behavior of future teachers of an enlarged group of specialties and areas of «Education and Pedagogical Sciences» in situations related to first aid to victims. The concept of «first aid» is indicated. Experimentally (questionnaire) revealed the level of knowledge, skills of students in the field offirst aid to victims. Gaps in the knowledge of the school curriculum are identified. It is planned to further develop this field of knowledge in an educational institution, by studying students the discipline that contributes to the firm assimilation offirst aid materials and increasing their competence.

The article presents the results of an analysis of the peculiarities of the adaptation of foreign students to the educational process of Russian universities, highlights modern approaches to understanding the cultural phenomenon of interethnic communication of foreign students. The author highlights the main elements of the culture of interethnic communication of foreign students, describes its structure. The pedagogical foundations of its formation are considered, conditions and measures are proposed to increase the effectiveness of this process.

The article discusses the problems of organizing the learning process in professional educational organizations that impede the formation of students’ value attitude to their future profession. Particular attention is paid to the consideration of the concepts of «value attitude», «value orientations», «value consciousness», «professional orientation», «personality orientation», «value orientations». The idea is substantiated that overcoming the indicated problems will contribute to the efficiency of the process of forming the value attitude of students to their future profession.

Intensive migration processes of recent decades have led to the formation of multicultural classes in secondary schools of the Russian Federation, where both foreigners and Russian-speaking students study. Since all the means and methods of teaching Russian were designed for native speakers, teaching ulticultural audience necessitates optimization of the existing methods of teaching Russian. The article presents the theoretical justification of four factors for optimizing the methodology of teaching Russian in Russian comprehensive schools from the standpoint of the needs of non-Russian speaking migrant students. The relevance of each of the factors from the point of view of teaching Russian in a heterogeneous audience is considered.

The author proposed the methodology «Creative-authorized-distance learning» (KADO) as a new educational technology based on providing students with independence and unlimited opportunities for mobilization (activation) of subjective cognitive-creative potential. The goal of KADO is to create an environment of creative energy that involves students in the process of self-learning. The article suggests innovative tools and methods for delivering theoretical and practical material using Internet technologies, discloses the features of the educational process organization in the distance learning algorithm, taking into account territorial and temporary disunity using a specific set of procedures, methods and forms of educational process organization.