The study identifies the main types of defects occurring in the formation of discrete zones on the basis of aluminium selective surface wetting of silicon wafers. The dependence of defect formation on the surface microrelief, and the thickness of the protective coating of silicon oxide, the process temperature, the velocity of the melt, the height of the melt and the concentration of additives of gallium to aluminum have been investigated. Statistical processing of a lot set of experimental data allowed to establish the optimal conditions of the process offormation zones and to reduce the total relative amount of all types of defects to values not exceeding 5 %.

A model for the study of generation-recombination processes in the direct intermediate band photovoltaic nanostructures was proposed. The model allows to calculate the functional characteristics and the efficiency of solar radiation conversion. The nanostructures with embedded quantum dots InAs / GaAs were experimentally grown. It is shown that the model enough correctly describes the experimental effect of increasing the shortcircuit current due an additional absorption of infrared photons.

We consider global trends and domestic financial - economic development under the influence of revolutionary processes in geopolitics, science and technology. Central to the ongoing transformations are highlighted: the crisis of the liberal model and the development of alternative approaches; the formation of the digital economy and the emergence cryptocurrency; development of new industrialization, based on the formation of the sixth technological order; changes in production and energy consumption. The role of Russia in opposition to the unipolar world. Reasoned postulate that the most dynamic vector of new industrialization are the information and communication technology (IT), the emerging digital economy.

The article presents reasons of the failure of the electricity reform, the problems of its reform and management, basic directions and mechanisms to improve the efficiency of its management and state regulation. The drawbacks of the policy pursued by the pricing in the wholesale electricity market, as a result of which there is a lack of coordination of economic interests of the main subjects of the wholesale and retail electricity market. The proposals, bringing together the interests of all electricity market participants to improve the quality of the investment process, suggested ways of improving the state regulation of electric power industry. It argued the feasibility ofstrengthening the role of the state in order to reduce energy costs and minimize the conflict of interests ofparticipants of the industry market.

The article is devoted to theoretical concepts of the theory of justification efficiency incentives. The article discusses how to optimize the costs of employee incentives and mechanisms of motivation to work. We evaluated the external (exogenous) and the internal (endogenous) factors and described how to measure them. We obtained formulas specifying the model of assessing the effectiveness of incentive. We analyzed the effect of the stimulus on motivation and proposed new concept of «potential of stimulus» and «wear of stimulus».

The article deals with a number of the stages of socially responsible business's development in accordance with the changing tendency in business. I stage «The negation of social responsibility for business», it's characterized by profit maximization, efficiency of labour's improvement. II stage «Corporate social responsibility::. The improvement of the staff's quality of life; the formation and development of the local society is typical for this stage. III stage «The prospective social responsibility}}. Discussing this stage one can mark out: environment protection, orientation on the institution of interaction

The article deals with the financing of innovation processes by banks, venture capital funds, development institutions, the problems and the steps for further development of financial institutions. Boosting innovation contributes to the development of financial institutions. Insufficiency of financial resources conditions dictate the need to reduce risks innovirovaniya formation of optimal inancing system. The real inancial resources support manufacturers of innovative ideas will increase competition of domestic products.

The article considers the problems of the development of high-tech sectors of the national economy in the face of fierce global competition and the struggle for limited resources. We investigated the role of government in the investment activity. Research of innovative aspects of the development of high-tech sector of the economy to determine the direction of industrial policy in the future, to identify priorities for the technical-tech development. Costs associated with the development and distribution industries in the high-tech sector of the national economy, should not be grounds for refusal of carrying out large-scale targeted industrial policy. On the contrary, in terms of international sanctions andfinancial constraints need to step up efforts to support the industries thatform the basis of a new technological order. It is their development in the foreseeable future is able to achieve sustainable economic growth parameters.

The paper describes the basic trends of innovative development of Russian and regional economies; it analyzes the main research and development in North Caucasus Federal District; developed and used advanced production technologies are studied, and paper also shows their impact on the personal management of the nterprises.

The author considered the emergence factors of commercial banks ' reputation risks, analysed the threats leading to loss of business reputation, estimated the reputation background of the banking sector of the North Caucasian Federal District, as well as the dynamics of credit institutions' ratings in the retrospective period.

The authors predict the dynamics of quantity and amount of the transactions made by electronic money in the Russian Federation in the medium term; allocated the conditions allowing to use electronic money in doubtful transactions and the illegal purposes; considered the signs specifying a possibility to involve the electronic money in criminal legalization or terrorism financing; offered recommendations about enhancement of the actions directed to counteraction to money laundering gained in the criminal way in the sphere of electronic money.

The paper presents a new approach to substantiate the amount of expenses on information security, step-by-step algorithm offinding the balance between information security threats and the cost of protection. The stages of action offinding the probable effects of information threats on the security for the subject fiscal activities and their corresponding probable amounts on security. Presents the forecast calculation of levels of threats, and possible damages on the canals of threats of leaks. Presents the calculation of measures to improve information security.

In the article the theoretical generalization of domestic and foreign experience of waste management and regional experience of the Stavropol region, identified key discussion issues and trends in the development of legislation in the field of waste management. In particular, it studies the stages of development of the waste management system abroad, including the role of waste as a potential energy source. As well as the level of development of these trends in Russia. Designated organizational-economic and legal adjustments in the regulatory process for the treatment of waste by a new Federal law. Discusses the shortcomings andfragmented nature of certain provisions of Federal laws, as well as the possible directions of development of the mechanism of regulation of waste management in the Russian Federation. Summarizes the experience of the Stavropol region as a pilot region to create an integrated system of waste management. Formulated the main thesis - the need of transition to an integrated waste management system, involving the maintenance of economic and administrative mechanisms to encourage waste reduction, separation and recycling.

The article considers topical issues of the functioning of the European market in a globalizing economy. The notion of «Euromarket», considers the types of transactions and loans in the Euromarket, the participants and direction of development. Identified major changes in operations on the Euromarket in the context of globalization, a share of participation of Bank of Russia and the national banks, the necessity of increase of efficiency offunctioning of the financial market in order to strengthen the international economic relations and increasing the volume of international trade in inancial instruments.

The article analyzes the ways of formation of innovative marketing tools with the aim of increasing the competitiveness of the company. The directions for improvement of lateral marketing as methodology of development and implementation of marketing approaches in the activities of the company to improve its efficiency in the formation of a competitive market environment in the production and sale of goods in modern conditions of managing.

The article is devoted to problems of development and organization of payment systems in Russia in modern conditions, specification of the main stages of development of this system, given the mechanics of the calculations in the framework of the Russian legal framework. The article shows the structure of the cashless settlement system in Russia, statistical data on the use of payment systems and Bank cards in Russia in the districts, and indicated the future direction of development and improvement ofpayment systems in Russia.

This article analyzes the conditions and outcomes ofparticipation of the Stavropol territory in the world trade organization. Describes the changes that have occurred in the development of agriculture and production of the Stavropol territory over the last two years. Shows the major products produced in the Stavropol region, the structure of retail trade turnover. Identified the tasks required for the successful development of the region in the WTO system. Based on the findings of the study suggestions were made.

The article examines the dynamic growth of tourism contributing to the emergence of new species, areas and forms of organization of tourist service. In this regard, the theme of interaction ofpersons with disabilities in the tourism sector is very critical. The emergence of the new perspective directions of tourism in Russia -barrier-free tourism (tourism for people with disabilities) and the creation of conditions for availability of the tourist services to all categories of consumers is a priority in the system of strategic purposes of development of tourism in the country.

In the present article examines the role of human resources policy in the implementation of inclusive education. The personnel policy is one of the main indicators of society's willingness to implement inclusive education. We assumed that the quality of the implementation of the educational process, the successful completion of the levels, stages and levels ofprofessional development of teachers is largely determined by the best understanding of the mission and policies of modern education. Today the problem ofpersonnel policy is quite relevant, especially in the implementation of educational standards of new generation and the transition to inclusive education. The importance of the question of the staffing of the education system due to the transition to inclusive education, and accordingly, the degree of readiness of teaching staff to work with both healthy children and children with disabilities.

The article discusses the formation of University student's motivation for self-employment on physical culture, which not only promotes the best mastering ofthe program and, therefore, improve physical development, and improve the health of students, but also has a positive impact on the minds of students, providing a more serious approach to the subject.

The article describes the features of the family as educational environment for the preschool child. It's shown the essence and components of environment for child development in the educational process, functions and principles of the family as educational environment, conditions of creating educational environment in the family. Article also concludes essence and components of the subject-developing environment that implements functions that implements functions of preschooler support in the activation of its cognitive interest and orientation in the surrounding world that provides him the full harmonious development.

The interaction of educational institutions, employers, state and public employment services, which depend on the employment of graduates of higher educational institutions is carried out with low efficiency. This paper analyzes the problem of employment of young specialists and concluded that the system of employment assistance consists offour basic interacting parties. The maximum influence on the labour activity of young people have elements of the system «University - graduate - employer - state.» Based on the analysis of activities of all stakeholders in the implementation of the graduates obtained professional knowledge and skills proposes measures for their effective interaction.

The article shows the problems of student's self-education competence formation; presents the understanding of the category of self-education and self-education competence, and competence structure of self-education. Special attention is paid to the nature of the process of self-education's competence formation and its stages; shown the complex ofpedagogical conditions offormation of this competence.

Correction ofposture disorders among deaf and hard of hearing adolescents is increasinglybecoming of health-pedagogical and social importance. Objective of the research: to develop and validate the effectiveness of methods of correcting postural disorders among athletes with deprivation of hearing at the age of 14-15 years old, during the training process. Together with the doctors of Stavropol Regional Center of Physical Therapy and Sports Medicine we have carried out visual, anthroposcopic, palpation and anthropometric surveys with analysis of complaints and anamnesis data of hard of hearing athletes involved in track andfield athletics at the age of 14-15 years old. For the correction of posture among athletes deprived of hearing it a targeted experimental method of the use of special means of adaptive physical training to correct «round back» was developed and implemented on the basis of modern scientific understanding of the mechanisms ofmotor regulation, structure-function relationships in the musculoskeletal system. Teaching experiment among athletes with hearing deprivation included four successive steps aimed at creating a posture and strengthening of the power of the upper body muscles, abdominal muscles and spinal mobility.