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EkaterinaKonstantinovna

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Introduction
The relevance of the study. Consumer lending is currently the most popular program in the vast majority of banking organizations of the Russian Federation. It presents a multitude of variations and can be implemented under different conditions. For those who are going to apply for a consumer loan, types of this service is extremely important. Because of different amounts and purposes has different interest rates. Loan terms also vary. Today, this kind of program can be arranged in a wide range of interest rates: from 12 to 70%. Rapidly changing user needs make providers of banking services to expand the range of services, to seek new solutions increasing the incomes corresponding to the demands of each customer. When it comes to improving the work of the Bank, is necessary, primarily to ensure the competitiveness of the offered services on credit and to compare the real incomes of the population. The Bank needs a more thorough approach to the analysis of the creditworthiness of the customer, control over target use of the loan, the proper execution of loan collateral, etc. It should be noted that in the current situation of the development of the country there are a number of problems contributing to the condition of the Bank as a whole and in particular its lending operations to individuals. Their solutions need to develop a more efficient legislative, regulatory and methodological framework being developed by the Bank and by the Central Bank. Analysis of the dynamics of consumer crediting in the last few years has shown a steady volume growth for this type of service, however, with the onset of the financial crisis, many banks faced a problem of attraction of foreign credit resources, which immediately took its toll on lending volumes and, of course, affected the income of the population. Toughening of requirements to borrowers, temporary moratoria on certain types of lending, increase in interest rates, led to a sustained slowdown in the lending to individuals in the whole country. In light of these problems, the relevance of this topic is extremely high. The aim of the study is a comprehensive analysis of promising directions of consumer crediting in Russia lending in General, and highlight some of the problems that have not been resolved in the legislation of Russia and not studied or poorly studied in the legal literature. To achieve this goal, formulated the following tasks:
to define the concept and essence of consumer crediting in Russia, its specificity, and methods of promotion of credit products; to consider problems of consumer crediting, namely: how to guarantee the performance of consumer lending, the problems of execution of obligations on consumer credit, and refinancing and consumer loans; to analyze the perspective directions of consumer crediting in Russia, including: consumer loans, agricultural credit consumer cooperatives, education credits and preferential consumer credit.
The object of the research is consumer lending in Russia. Subject of research – the perspective directions of consumer crediting in Russia. The degree of scientific elaboration of the problem. Analysis of the available literature on the research subject shows that throughout the twentieth century and in the modern period interest in her was conditioned by the level of economic development of the society, and how the law governing relations in the sphere of lending was consistent with this development. So, lending was engaged in such famous scientists as M. M. Agarkov, I. S. Gurevich, O. S. Joffe, J. A. Kunik, E. A. Pavlodskii E. A. Vlasic. Individual issues of conclusion and execution of the loan agreement is dedicated to the works I.e. Abowei, R. S. Bevzenko, A. E. Bonner, V. Veteranskogo, V. G. Golyshev, V. V. Grachev, N. N. Zakharova, R. I. Karimullin, D. A. Medvedeva, L. A. Novoselova, O. M. Oleynik, O. N. Sadikova, L. V. Sannikova, N. I. Solovyanenko, S. K. Solomin, E. A. Sukhanova, G. A. Tosunian, etc. Consumer lending is dedicated to the works of authors G. N. Beloglazova, S. A. Gurianova, E. F. Zhukova, V. V. Zrazhevski, Yuri I. Korobov, L. P. Kroleveckiy, O. I. Lavrushin, V. A. Pereboeva, V. M. Usoskin, E. A. Utkina, N. D. Eriashvili, etc. To achieve the goals and objectives of the thesis research was the structural - logical scheme. The work consists of three chapters, divided into ten sections.

The content
Introduction....................................................................................
Chapter 1. Features, value, and main types of consumer crediting in Russia......................................................
1.1. The main characteristics of consumer lending as an important area of banking activity........................
1.2. The influence of external and internal factors on the development of the market of consumer crediting ........................
1.3. Legal framework of regulation of consumer credit and the need for their further development...............
Chapter 2. The main directions of development of consumer credit and the conditions to improve its effectiveness............
2.1. The analysis of priority (most important) activities of a commercial Bank in dealing with individual borrowers.......
2.2. Modern methods of assessing the creditworthiness of a borrower and forms of control over performance of obligations on consumer credit...
2.3. The use of new marketing technologies advancement lending products on the market and their significance for improving the financial performance of the Bank ..........................
Chapter 3. Ways of improvement and prospects of development of consumer crediting in Russia............................
3.1. Prospects of development of remote banking services and IT technology as an innovative form of service in the field of consumer credit.............................................
3.2. Topical issues of restructuring of consumer debt and especially refinancing of consumer loans.................................................................
3.3. Strategies for promotion of agricultural credit consumer cooperatives: regional characteristics and challenges...
3.4. Preferential consumer crediting as a tool of realization of state programs.................................... ............................................................................... References........................................................... App...............................................................................

Today, consumer lending is one of the most profitable and riskiest banking activities. Formed under the influence of external and internal factors, the volume of overdue debt on consumer loans can lead to significant losses for banks. The growth of demand for consumer loans has led to the need to create and use more formal and objective methods of assessment (for example, models of credit scoring), allowing banks to make decisions on loan applications. In recent years, progressive changes in the models of credit scoring were associated with the increased competition in the consumer credit market, the advances in computer technologies and significant growth of data on borrowers. Today almost all solvent population consumer already has loans and is unable, or for any reason does not want to take new ones. Not less important reason is the dishonesty of many banks in the disclosure of effective interest rates on loans. That is, in the credit agreement to contain hidden fees, specify the Bank at the time of advertising companies, and not disclosed by employees of the Bank when making banking agreement, as a result, the person who took a consumer loan, have to pay more money than expected, undermining the credibility of a particular Bank and the system of consumer crediting. Today, there are several basic methods of assessing the creditworthiness of customers, the systems differ from each other by a number of indicators that are used as parts of an overall assessment of the borrower, as well as different approaches to the characteristics and priority of each. The most popular and effective scoring models, are mainly used when granting loans for the purchase of products (Express loans) and the issuance of credit cards. Not only the citizens slow growth of consumer lending segment, this is largely dependent on the banks themselves, many of which are to increase the volume of consumer credit reduce the requirements for the issuance of credit, leading to an increase in so-called "bad loans", which, according to analysts, are the real threat to banks. Potential crisis of consumer crediting could bring the number of banks the big financial problems and slow down growth of all segment. Because in Russia there is no effective system of debt recovery, the growth in the volume of non-performing loans may become a common problem of the banking system. In many domestic financial institutions there is a service called "refinancing and consumer loans." This procedure is usually profitable and the client and the Bank. It allows the borrower to improve the conditions of servicing the debt; the creditor – not to admit the transaction on the delay. Note that the problem of consumer crediting in Russia lies in the high probability of non-repayment of credit means the Bank, including high interest rates on loans. I hope to overcome these problems in the near future. It is important to note that the favourable consumer crediting is one of the instruments of implementation of state programs: preferential consumer loans for purchase of car, education and support for small and medium businesses.


The budget code of the Russian Federation of 31.07.1998 N 145-FZ // "Collection of legislation of the Russian Federation", 03.08.1998, N 31, item 3823. Housing code of 29.12.2004 N 188-FZ // "Collection of legislation of the Russian Federation", 03.01.2005 N 1 (a part 1), article 14 of the Code of administrative offences of the Russian Federation of 30.12.2001 N 195-FZ // "Collection of legislation of the Russian Federation", 07.01.2002, No. 1 (part 1), article 1. Tax code of the Russian Federation of 31.07.1998 N 146-FZ // "Collection of legislation of the Russian Federation", N 31, 03.08.1998, item 3824. The criminal code of the Russian Federation of 13.06.1996 N 63-FZ // "Collection of legislation of the Russian Federation", 17.06.1996, N 25, item 2954 Federal law from 02.12.1990 N 395-1 "About banks and Bank activity" // "Collection of legislation of the Russian Federation", 05.02.1996, N 6, item 492 Federal law of 06.04.2011 N 63-FZ (as amended on 28.06.2014) "On electronic signature" // "Collection of legislation of the Russian Federation", 11.04.2011, N 15, item 2036. The Federal law from 08.12.1995 N 193-FZ (as amended on 21.12.2013) "On agricultural cooperation" // "Collection of legislation of the Russian Federation", 11.12.1995, N 50, item 4870 Federal law of 10.12.2003 N 173-FZ "On currency regulation and currency control" // "Collection of legislation of the Russian Federation", 15.12.2003, No. 50, art. 4859 Federal law as of 16.07.1998 N 102-FZ "On mortgage (pledge of real estate)" // "Collection of legislation of the Russian Federation", 20.07.1998, N 29, item 3400 Federal law of 21.12.2013 № 353–FZ "On consumer credit (loan)" // "Collection of legislation of the Russian Federation", 23.12.2013, No. 51, article 6673. Start of validity – 01.07.2014. Federal law dated 23.12.2003 No. 177-FZ (red. ot 02.04.2014) "About insurance of contributions of physical persons in banks of the Russian Federation" (as amended. and EXT., Preface. effective from 03.04.2014) // "Collection of legislation of the Russian Federation", 29.12.2003, N 52 (part I), art. 5029. Federal law of 26.10.2002 N 127-FZ "On insolvency (bankruptcy)" // "Collection of legislation of the Russian Federation", 28.10.2002, N 43, item 4190 Federal law dated 30.12.2004 N 215-FZ "On housing savings cooperatives" // "Collection of legislation of the Russian Federation", 03.01.2005 N 1 (a part 1), article 41 of the Federal law dated 30.12.2004 N 218-FZ (as amended on 28.06.2014) "On credit histories" // "Collection of legislation of the Russian Federation", 03.01.2005 N 1 (a part 1), article 44 of the Law of the Russian Federation from 07.02.1992 N 2300-1 "On protection of consumer rights" // "Collection of legislation of the Russian Federation", 15.01.1996, N 3, p 140 the Russian Federation Government Decree dated 24.12.2013 N 1223 "On approval of Rules of granting from the Federal budget subsidies to Russian credit organisations on compensation of shortfalls in income on loans issued to Russian credit institutions in 2013-2014 to individuals for purchase of cars" // "Collection of legislation of the Russian Federation", 30.12.2013, No. 52 (part II), article 7205 of the Moscow city Government Decree dated 22.02.2012 N 64-PP (ed. from 10.07.2014) "On introducing amendments into the state program of Moscow city and the approval of the state program of Moscow "open Government" for 2012-2016" // "Vestnik of Mayor and Government of Moscow", No. 14, vol. 1, 07.03.2012. Andreev M. V. Formation of system of consumer crediting in the Russian economy: author. dis. on competition. academic degree candidate. economy. Sciences: 08.00.10 / M. V. Andreev. – St. Petersburg, 2011. – 27 S. Baitenova A. A. the Commentary to the Federal law from December, 8th, 1995 N 193-FZ "About agricultural cooperation" (article by article). – M.: Yustitsinform, 2010. – 432 S. Bank management: textbook. for students enrolled in the program "Finance and credit" / [O. I. Lavrushin; ed; Financial Acad. under the Government Grew. Federation. – Moscow: KnoRus, 2010. – 431 S. Banking: challenges and tests: [textbook for students enrolled in the direction "Economy" (degree-BSC) and majors/profile "Accounting, analysis and audit", "Finance and credit", "Taxes and taxation", World economy] / N. Valencia I. [and others]; under the editorship of N. I. Valencias, M. A. Pomarina. – Moscow: KNORUS, 2014. – 200 S. Y. Belikov, M. Doronkin Functionality is not at the expense of safety // Banking review. – 2014. – N 7. – P. 88 - 93. Belikov Yu., Doronkin M. the Price of loyalty // Banks and the business world. – 2014. – N 8. – S. 87 - 92. Belousov A. L. problems of regulation for the recovery of arrears // Banking law. – 2014. – N 3. – S. 39 - 44. Bobrik, M. A. How to attract banks to Finance agricultural enterprises // Bank lending. – 2013. – N 3. – S. 98 to 104. Bratko A. G., the Citizen and the monetary system // Russian justice. – 2013. – No. 4. – S. 58 – 62. Brovkina N. E. Regularities and prospects of development of the credit market in Russia: monograph. 2-e Izd., erased. – M.: KNORUS, 2013. – 274 p. Trousers B. G. Mechanisms of refinancing of mortgage loans // retail Banking. – 2013. – N 2. – P. 54 - 65.

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Фрагменты работ

Introduction
The relevance of the study. Consumer lending is currently the most popular program in the vast majority of banking organizations of the Russian Federation. It presents a multitude of variations and can be implemented under different conditions. For those who are going to apply for a consumer loan, types of this service is extremely important. Because of different amounts and purposes has different interest rates. Loan terms also vary. Today, this kind of program can be arranged in a wide range of interest rates: from 12 to 70%. Rapidly changing user needs make providers of banking services to expand the range of services, to seek new solutions increasing the incomes corresponding to the demands of each customer. When it comes to improving the work of the Bank, is necessary, primarily to ensure the competitiveness of the offered services on credit and to compare the real incomes of the population. The Bank needs a more thorough approach to the analysis of the creditworthiness of the customer, control over target use of the loan, the proper execution of loan collateral, etc. It should be noted that in the current situation of the development of the country there are a number of problems contributing to the condition of the Bank as a whole and in particular its lending operations to individuals. Their solutions need to develop a more efficient legislative, regulatory and methodological framework being developed by the Bank and by the Central Bank. Analysis of the dynamics of consumer crediting in the last few years has shown a steady volume growth for this type of service, however, with the onset of the financial crisis, many banks faced a problem of attraction of foreign credit resources, which immediately took its toll on lending volumes and, of course, affected the income of the population. Toughening of requirements to borrowers, temporary moratoria on certain types of lending, increase in interest rates, led to a sustained slowdown in the lending to individuals in the whole country. In light of these problems, the relevance of this topic is extremely high. The aim of the study is a comprehensive analysis of promising directions of consumer crediting in Russia lending in General, and highlight some of the problems that have not been resolved in the legislation of Russia and not studied or poorly studied in the legal literature. To achieve this goal, formulated the following tasks:
to define the concept and essence of consumer crediting in Russia, its specificity, and methods of promotion of credit products; to consider problems of consumer crediting, namely: how to guarantee the performance of consumer lending, the problems of execution of obligations on consumer credit, and refinancing and consumer loans; to analyze the perspective directions of consumer crediting in Russia, including: consumer loans, agricultural credit consumer cooperatives, education credits and preferential consumer credit.
The object of the research is consumer lending in Russia. Subject of research – the perspective directions of consumer crediting in Russia. The degree of scientific elaboration of the problem. Analysis of the available literature on the research subject shows that throughout the twentieth century and in the modern period interest in her was conditioned by the level of economic development of the society, and how the law governing relations in the sphere of lending was consistent with this development. So, lending was engaged in such famous scientists as M. M. Agarkov, I. S. Gurevich, O. S. Joffe, J. A. Kunik, E. A. Pavlodskii E. A. Vlasic. Individual issues of conclusion and execution of the loan agreement is dedicated to the works I.e. Abowei, R. S. Bevzenko, A. E. Bonner, V. Veteranskogo, V. G. Golyshev, V. V. Grachev, N. N. Zakharova, R. I. Karimullin, D. A. Medvedeva, L. A. Novoselova, O. M. Oleynik, O. N. Sadikova, L. V. Sannikova, N. I. Solovyanenko, S. K. Solomin, E. A. Sukhanova, G. A. Tosunian, etc. Consumer lending is dedicated to the works of authors G. N. Beloglazova, S. A. Gurianova, E. F. Zhukova, V. V. Zrazhevski, Yuri I. Korobov, L. P. Kroleveckiy, O. I. Lavrushin, V. A. Pereboeva, V. M. Usoskin, E. A. Utkina, N. D. Eriashvili, etc. To achieve the goals and objectives of the thesis research was the structural - logical scheme. The work consists of three chapters, divided into ten sections.

The content
Introduction....................................................................................
Chapter 1. Features, value, and main types of consumer crediting in Russia......................................................
1.1. The main characteristics of consumer lending as an important area of banking activity........................
1.2. The influence of external and internal factors on the development of the market of consumer crediting ........................
1.3. Legal framework of regulation of consumer credit and the need for their further development...............
Chapter 2. The main directions of development of consumer credit and the conditions to improve its effectiveness............
2.1. The analysis of priority (most important) activities of a commercial Bank in dealing with individual borrowers.......
2.2. Modern methods of assessing the creditworthiness of a borrower and forms of control over performance of obligations on consumer credit...
2.3. The use of new marketing technologies advancement lending products on the market and their significance for improving the financial performance of the Bank ..........................
Chapter 3. Ways of improvement and prospects of development of consumer crediting in Russia............................
3.1. Prospects of development of remote banking services and IT technology as an innovative form of service in the field of consumer credit.............................................
3.2. Topical issues of restructuring of consumer debt and especially refinancing of consumer loans.................................................................
3.3. Strategies for promotion of agricultural credit consumer cooperatives: regional characteristics and challenges...
3.4. Preferential consumer crediting as a tool of realization of state programs.................................... ............................................................................... References........................................................... App...............................................................................

Today, consumer lending is one of the most profitable and riskiest banking activities. Formed under the influence of external and internal factors, the volume of overdue debt on consumer loans can lead to significant losses for banks. The growth of demand for consumer loans has led to the need to create and use more formal and objective methods of assessment (for example, models of credit scoring), allowing banks to make decisions on loan applications. In recent years, progressive changes in the models of credit scoring were associated with the increased competition in the consumer credit market, the advances in computer technologies and significant growth of data on borrowers. Today almost all solvent population consumer already has loans and is unable, or for any reason does not want to take new ones. Not less important reason is the dishonesty of many banks in the disclosure of effective interest rates on loans. That is, in the credit agreement to contain hidden fees, specify the Bank at the time of advertising companies, and not disclosed by employees of the Bank when making banking agreement, as a result, the person who took a consumer loan, have to pay more money than expected, undermining the credibility of a particular Bank and the system of consumer crediting. Today, there are several basic methods of assessing the creditworthiness of customers, the systems differ from each other by a number of indicators that are used as parts of an overall assessment of the borrower, as well as different approaches to the characteristics and priority of each. The most popular and effective scoring models, are mainly used when granting loans for the purchase of products (Express loans) and the issuance of credit cards. Not only the citizens slow growth of consumer lending segment, this is largely dependent on the banks themselves, many of which are to increase the volume of consumer credit reduce the requirements for the issuance of credit, leading to an increase in so-called "bad loans", which, according to analysts, are the real threat to banks. Potential crisis of consumer crediting could bring the number of banks the big financial problems and slow down growth of all segment. Because in Russia there is no effective system of debt recovery, the growth in the volume of non-performing loans may become a common problem of the banking system. In many domestic financial institutions there is a service called "refinancing and consumer loans." This procedure is usually profitable and the client and the Bank. It allows the borrower to improve the conditions of servicing the debt; the creditor – not to admit the transaction on the delay. Note that the problem of consumer crediting in Russia lies in the high probability of non-repayment of credit means the Bank, including high interest rates on loans. I hope to overcome these problems in the near future. It is important to note that the favourable consumer crediting is one of the instruments of implementation of state programs: preferential consumer loans for purchase of car, education and support for small and medium businesses.


The budget code of the Russian Federation of 31.07.1998 N 145-FZ // "Collection of legislation of the Russian Federation", 03.08.1998, N 31, item 3823. Housing code of 29.12.2004 N 188-FZ // "Collection of legislation of the Russian Federation", 03.01.2005 N 1 (a part 1), article 14 of the Code of administrative offences of the Russian Federation of 30.12.2001 N 195-FZ // "Collection of legislation of the Russian Federation", 07.01.2002, No. 1 (part 1), article 1. Tax code of the Russian Federation of 31.07.1998 N 146-FZ // "Collection of legislation of the Russian Federation", N 31, 03.08.1998, item 3824. The criminal code of the Russian Federation of 13.06.1996 N 63-FZ // "Collection of legislation of the Russian Federation", 17.06.1996, N 25, item 2954 Federal law from 02.12.1990 N 395-1 "About banks and Bank activity" // "Collection of legislation of the Russian Federation", 05.02.1996, N 6, item 492 Federal law of 06.04.2011 N 63-FZ (as amended on 28.06.2014) "On electronic signature" // "Collection of legislation of the Russian Federation", 11.04.2011, N 15, item 2036. The Federal law from 08.12.1995 N 193-FZ (as amended on 21.12.2013) "On agricultural cooperation" // "Collection of legislation of the Russian Federation", 11.12.1995, N 50, item 4870 Federal law of 10.12.2003 N 173-FZ "On currency regulation and currency control" // "Collection of legislation of the Russian Federation", 15.12.2003, No. 50, art. 4859 Federal law as of 16.07.1998 N 102-FZ "On mortgage (pledge of real estate)" // "Collection of legislation of the Russian Federation", 20.07.1998, N 29, item 3400 Federal law of 21.12.2013 № 353–FZ "On consumer credit (loan)" // "Collection of legislation of the Russian Federation", 23.12.2013, No. 51, article 6673. Start of validity – 01.07.2014. Federal law dated 23.12.2003 No. 177-FZ (red. ot 02.04.2014) "About insurance of contributions of physical persons in banks of the Russian Federation" (as amended. and EXT., Preface. effective from 03.04.2014) // "Collection of legislation of the Russian Federation", 29.12.2003, N 52 (part I), art. 5029. Federal law of 26.10.2002 N 127-FZ "On insolvency (bankruptcy)" // "Collection of legislation of the Russian Federation", 28.10.2002, N 43, item 4190 Federal law dated 30.12.2004 N 215-FZ "On housing savings cooperatives" // "Collection of legislation of the Russian Federation", 03.01.2005 N 1 (a part 1), article 41 of the Federal law dated 30.12.2004 N 218-FZ (as amended on 28.06.2014) "On credit histories" // "Collection of legislation of the Russian Federation", 03.01.2005 N 1 (a part 1), article 44 of the Law of the Russian Federation from 07.02.1992 N 2300-1 "On protection of consumer rights" // "Collection of legislation of the Russian Federation", 15.01.1996, N 3, p 140 the Russian Federation Government Decree dated 24.12.2013 N 1223 "On approval of Rules of granting from the Federal budget subsidies to Russian credit organisations on compensation of shortfalls in income on loans issued to Russian credit institutions in 2013-2014 to individuals for purchase of cars" // "Collection of legislation of the Russian Federation", 30.12.2013, No. 52 (part II), article 7205 of the Moscow city Government Decree dated 22.02.2012 N 64-PP (ed. from 10.07.2014) "On introducing amendments into the state program of Moscow city and the approval of the state program of Moscow "open Government" for 2012-2016" // "Vestnik of Mayor and Government of Moscow", No. 14, vol. 1, 07.03.2012. Andreev M. V. Formation of system of consumer crediting in the Russian economy: author. dis. on competition. academic degree candidate. economy. Sciences: 08.00.10 / M. V. Andreev. – St. Petersburg, 2011. – 27 S. Baitenova A. A. the Commentary to the Federal law from December, 8th, 1995 N 193-FZ "About agricultural cooperation" (article by article). – M.: Yustitsinform, 2010. – 432 S. Bank management: textbook. for students enrolled in the program "Finance and credit" / [O. I. Lavrushin; ed; Financial Acad. under the Government Grew. Federation. – Moscow: KnoRus, 2010. – 431 S. Banking: challenges and tests: [textbook for students enrolled in the direction "Economy" (degree-BSC) and majors/profile "Accounting, analysis and audit", "Finance and credit", "Taxes and taxation", World economy] / N. Valencia I. [and others]; under the editorship of N. I. Valencias, M. A. Pomarina. – Moscow: KNORUS, 2014. – 200 S. Y. Belikov, M. Doronkin Functionality is not at the expense of safety // Banking review. – 2014. – N 7. – P. 88 - 93. Belikov Yu., Doronkin M. the Price of loyalty // Banks and the business world. – 2014. – N 8. – S. 87 - 92. Belousov A. L. problems of regulation for the recovery of arrears // Banking law. – 2014. – N 3. – S. 39 - 44. Bobrik, M. A. How to attract banks to Finance agricultural enterprises // Bank lending. – 2013. – N 3. – S. 98 to 104. Bratko A. G., the Citizen and the monetary system // Russian justice. – 2013. – No. 4. – S. 58 – 62. Brovkina N. E. Regularities and prospects of development of the credit market in Russia: monograph. 2-e Izd., erased. – M.: KNORUS, 2013. – 274 p. Trousers B. G. Mechanisms of refinancing of mortgage loans // retail Banking. – 2013. – N 2. – P. 54 - 65.

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Отзыв zmey об авторе EkaterinaKonstantinovna 2018-07-09
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Защитил диплом по большей части благодаря этому автору. Обращался уже много раз, хочу отметить качество работы, честность, скорость работы, автор делает очень быстро-раньше срока. Всегда можно обратиться если что-то не понятно-подскажет. Спасибо большое, приятно что есть такие профессионалы

Общая оценка 5
Отзыв ЦГиТН об авторе EkaterinaKonstantinovna 2019-02-14
Дипломная работа

Отличный автор! Рекомендую! Все в срок.

Общая оценка 5
Отзыв Анна об авторе EkaterinaKonstantinovna 2015-06-12
Дипломная работа

хорошая работа. Рекомендую

Общая оценка 5

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