The article critically analyzed the basic terminological apparatus banking, given the author's classification of banking services and the factors that influence the scope of these services. Presented and justified priority measures to improve efficiency and quality of banking services of the region. 

Keywords: Banking services, the quality of banking services, the efficiency of banking services.

 Theoretical model of anomalous electron emission has built for an soft x-ray irradiation of  surface elektrets, explaining the different character of correlation between energy and emission intensity of ferroelectric  solid solution PbTiO3 - CaTiO3 and nonferroelectric  ceramics CaTiO3.  Shown that  due electret surface irradiation the  Schottky area is  depleted by nonequilibrium charge carriers.

Keywords: Emission, electret, ferroelectricity, Schottky area

  In this paper consider the problem of numerical simulation of dynamic systems with many degrees of freedom under pulse exposure. Addresses the issues of relevance and importance of numerical modeling to date, taking into account the magnitude of the current objectives of the study.

Keywords: numerical modeling, dynamical systems, pulsed load

  Now the close attention is paid to a subject of low construction. It is caused by that this category of housing is the perspective direction of development of housing stock of the Russian Federation as corresponds to such criteria as availability, convenience, speed of construction and environmental friendliness. On the basis of the analysis of classification signs author's classification of objects of low construction depending on a site, level the income is given, to periodicity of accommodation, existence of the land lot, quantity of floors, constructive decisions, qualities of furnish, a view of the uninhabited square, existence of additional structures, safety, such as the settlement, quality of architectural study. Questions of town-planning regulation and stages of preparation of territories of low construction are mentioned.

Keywords: affordable housing, low construction, innovative programs, classification signs

The effectiveness of research depends on how meaningful and grammatical and owns a technology training research work. In science, a technology understood strictly specified sequence researcher in obtaining new knowledge. Mastering scientific research eliminates the method of "trial and error", since equips clear idea of how to turn knowledge inaccurate and in strictly scientific, as close to the truth [1]. Choosing a theme identified by the request of the theory and practice, but when writing a scientific study, researchers are faced with the contradictions in knowledge about the subject of the study.

Keywords: Scientific problem, object, object of research, methodological problems, methodology.

The algorithm of calculation of embedded foundation with combined use of a method of boundary elements and method of finite elements is considered. The calculation example of embedded foundation lying on a layered half space is resulted. Distributions of displacements under the base depending on frequency of influence and a combination of physical parameters of elastic layers and elastic half space are analyzed.

Keywords: dynamic, vibration, frequency, ceiling, half-space

One of the priorities of socio-economic development of the municipality is the effective work aimed at improving the efficiency of territorial resources’ using, quality development, reconstruction and modernization of the network of educational facilities on the basis of proportional and balanced development of all urban areas, ensuring that the needs of the population in the objects of education and equal access within city. Scientific novelty of the research is the development of information and analytical support for decision support system for deployment of educational facilities on the basis of a geo-information database and simulation model of long-term scheduling of educational institutions in the reconstruction of urban areas. It allows for the collection, analysis, storage and subsequent presentation of spatial information based on GIS technologies, CAD and database systems. 

Keywords: urban planning and information systems, educational facilities planning, the reconstruction of urban areas

  Due to the increasing requirements of modern building materials increased interest in energy-efficient building materials. The dependence of the viscoplastic properties of slurries for foam concrete production on the composition and properties of the components of mix. To determine the regulatory properties of cement-sand slurries should consider the state of the water in a dispersed system.

Keywords: Foam concrete water content, water forms of communication, water retention of cement and sand, formation of foam membrane

Proved that the use of microwave energy for dehydration bitumen does not affect its quality. The mathematical description of the flow of bitumen by the ADF estimators dehydration and product performance. Shows the advantages of the low-temperature dehydration technology from the existing asphalt.

Keywords: coating plant, bitumen, bitumen, quality, dehydration, microwave energy, flow, performance

  The article shows that the viscoelastic behavior of polymers is well described by a nonlinear generalized Maxwell equation, generalized Russian scientists GI Gurevich In this paper, based on the results of experimental studies of the isothermal relaxation of thermal stresses presented a method to determine the relaxation parameters of the equation. The experiment was carried out on thin-walled tubes, with rigidly clamped ends. Heating or cooling from initial temperature to a final temperature (the temperature relaxation time) was carried out at a constant rate of heating (cooling) in a linear fashion. This work shows that the linearized theory does not give correct results.

Keywords: Thermal stresses, the Maxwell equations relating the parameters, isothermal relaxation

Denotes aneedin an engineering analytical correspondence between the loadand longitudinal strains of the composite columns. Experimental data on concrete longitudinal strains in the state of passive lateral compression are presented. The generalized form of correspondence for curvilinear "stress-strain" diagramof concrete the state of passive lateral compression is given.

Keywords: composite columns, "stress-strain"diagram, passive lateral compression of the concrete

Domestic construction materials industry produces expansive binders providing the concrete self-stress up to2MPa. A hypothesis on the catalytic role of lime in the formation of the active ettringiteis introduced. On the base of the hypothesis a proposal of the self-stress kinetics optimization with sulfate-containing mineral supplements, neutralizing lime in the early stages of the cement stone structure formation is given.

Keywords: cement, straining cement, mineral supplements, self-stress kinetics

  Given technological regime layering film coating on the paper.A significant change in the properties of the composite material at deviations in the mode of layers of film. The data testifies to the fact that a change in the regime of film layers, causing a deep penetration of the polymer in the paper and a violation can nolitnosti-coating reduces the strength of the resulting complex.

Keywords: film stratification on paper, durability on a break, composition paper basis, temperature, time

In article formation of sociolabor relations goodwill systems «person-manufacture» which is the consolidated process of personnel selection of the enterprise is considered and mentions all stages of organizational work with the personnel

Keywords: Sociolabor relations, personnel selection, goodwill system «person-manufacture», personal and professional qualities of workers, labor potential, motivational audit.

Mathematic model considers the geometrical and physical nonlinearity, the adaptability of creep flow. Arc work is accounted for by the method of constructive anisotropy, but with due regard for shear and torsion rigidity. In solving physically nonlinear problems, secant modulus is defined directly from the «σ-ε» curve, found experimentally. Mathematic model is written in the form of functional of total deformation energy. This model can be used for comprehensive analysis of the stability of reinforced shells of revolution.

Keywords: stability of reinforced shells of revolution, linear-elastic problems, the nonlinear-elastic problems, the problem of creep flow.