The article consideres features of civil disputes with the banks about foreclose on hypothecary real estate. judicial practice on this category of cases.

This article deals with the deposit policy banks. Determined that the savings accounts are the most diverse and the basis for their classification is the criteria of the sources of contributions, their intended use, the degree of profitability. The focus is on the definition of criteria, goals and objectives. This article can be viewed as the formulation stage for further research in the master's thesis.

In given article the essence and necessity of management of credit risk is considered. Also the detailed classification and structure of credit risk is given.

In this paper is considered some theoretical aspects, which are connected with separate questions of commercial banks' competitiveness, various types of competitiveness in the bank sphere.

Today, management of credit portfolio is the key question of the commercial bank credit activity. In the paper the main problems of credit portfolio management of a commercial bank are presented and the description of the activities for their solution is given.

The article presents an analysis of an Advertising World Model through a description of spatio-temporal and subject-object characteristics of the World Model, formed by Commercial Television Advertising. For the description of an Advertising World Model, the authors have conducted a content analysis of commercials broadcasted at “Pervyy kanal “Eurasia.” According to the authors, by impressing specific values, the advertisement thereby promotes a certain way of life. The authors consider advertising as a means of manipulating the mass consciousness. The paper presents an analysis of manipulation of needs; “spiritual” manipulation – generation of certain ideals and values; intellectual manipulation; feeling manipulation, etc.

The present article deals with the multivariate methods of interpersonal communication in the context of the global informatization of society through the means of Internet communication. Also, the article notes the associated processes of social and cultural changes in society, the trend towards the diffusion of values, the commercialization of all links of mass information transmitted via the Internet.

This article examines the analysis of the banks liquidity of the second level of the Republic of Kazakhstan for 2015 to 2018. Also examines the role and policy of the National Bank of Kazakhstan in the process of regulating the liquidity of the banking sector is considered

This article discusses both the main and additional costs associated with the movement of goods from the manufacturer to the consumer. The tasks for achieving optimal efficiency in the activity of a commercial enterprise in modern economic conditions are defined. The analysis of the dynamics of the sales market of the studied enterprise is carried out. Both positive and negative aspects of the trading enterprise are revealed.

This paper presents the results of the influence of ultrasonic treatment in the cofermentation of the cattle manure mixture (cattle) with the leaven from the rumen of ruminants on the process of biogas production. Anaerobic digestion was carried out in matinence periodic operation at the mesophilic temperature of 38 C ̊. As a substrate, a mixture with a content of 70 % cattle manure and 10 % leaven from rumen of ruminants was used. Treatment with ultrasound of the mixture was carried out at an intensity of 10 W/cm2 and an amount of input energy of 9350 kJ/kg of dry matter (DM), which completely eliminated the processes of stratification and sedimentation. Decomposition of organic matter (OM) in the periodic regime with the enzyme and ultrasound treatment occurred within 8 days, the usual substrate during this time OM decomposed 3.0 times less (only 14 %). The process of fermentation of methane in continuous and periodic modes treated with ultrasound, as at other temperatures, was stable, as can be judged by the values of volatile fatty acids (VFA) Volatile fatty acids (VFAs), alkalinity, pH, and biogas. The energetical efficiency of methane fermentation is estimated by comparing the volume of fuel (biogas) and heat consumption for technological needs. As shown by the comparison of efficiency of different regime, the largest amount of commercial energy in the form of biogas was obtained in the mode of joint fermentation of a mixture of cattle manure (cattle) with a ferment from the rumen of ruminants treated with ultrasound – 3 times more than without treatment (space).

Main problem: The genus Morbillivirus of the family Paramyxoviridae includes agents of morbilli, plague of cattle, carnivores and small ruminants. Plague agent of carnivores causes a dangerous disease of fur animals and dogs, which in many cases ends in death. The disease is widespread everywhere, including Kazakhstan. In our country, the mixed form of the disease is most common, and the least common is the skin and nervous forms. The chronic course of plague is observed to a greater extent with the nervous form, subacute - with mixed and intestinal, acute - with cutaneous and pulmonary forms of the disease. Goal: Veterinarians have significant difficulties in diagnosing carnivorous plague. Despite the fact that serological methods for diagnosing this infection have been developed and applied for research purposes, the lack of commercial diagnostic preparations on sale significantly restrains their use by practical veterinary workers. Therefore, the diagnosis of plague of carnivores is mainly established on the basis of the symptom complex of the disease and the data of epizootic and pathological anatomical studies, the results of which are largely similar to those in some other diseases of carnivores. Scientific research in the field of means and methods of laboratory diagnostics of carnivore plague, applicable in practical veterinary medicine, is in great demand. Methods: Considering the fact that the carnivores plague and cattle plague are antigenically closely related, studies were carried out to determine the possibility of using means and methods for diagnosing cattle plague for serological diagnosis of carnivores plague. Results and their significance: It has been established that the use of means and methods for diagnosing cattle plague makes it possible to diagnose carnivore plague at all stages of the course of the disease, their use makes it possible to reliably establish a diagnosis of the disease in fur-bearing animals and dogs in a short time after the receipt of samples of material for research, even in cases of mixed viral and bacterial infections; and also to differentiate the plague of carnivores from diseases similar to it - parvovirus enteritis, infectious hepatitis and a number of others.

The banking system is one of the most important components of the economy of any state, ensuring the functioning of the economy. The researchers study the functioning of individual banks and the banking system as a whole, because it is the banking system being an intermediary in the market system of relationships that allows financing of all spheres and branches of the national economy and the organization of their interaction. In modern conditions of aggravation of the economic crisis, pandemic, the role and importance of second-tier banks is changing. Banks, being one of the most dynamic and «flexible» spheres of economic activity, not only organize the functioning of economic entities, but also face a number of «newly created» problems that were not discussed until recently: cybercrime, data leakage, various modified fraudulent schemes and much more. An important distinguishing feature of the banking system is its dynamism, the ability to quickly respond to changes in the economy, the challenges of globalization. The domestic banking system copes quite well with the challenges of globalization, which is highlighted in this study. The purpose of the article is to consider the changes taking place in the banking system of Kazakhstan in modern conditions. When writing the article, methods of comparison, analysis, synthesis, aggregation, etc. were used. The result is the identification of the main problems related to the current state of the banking system, as well as their impact on the future configuration, improvement of the banking system, can be useful to bank employees dealing with the management of the banking system.

Main problem: in conditions of increasing competition, when characterizing commercial structures, a fundamental role is given to innovations, which occupy important place in economic life of the organization. Accordingly, the study of their essence and content is of particular importance for growth of competitiveness of organizations, which determines the relevance of study. Purpose: to investigate essence of innovation and innovation process in retrospect and in modern conditions as main prerequisite for improving competitiveness of commercial organizations. Achieving this purpose required solving following research tasks: to reveal the content of theoretical approaches to the study of the main aspects of interaction between business and government in modern science; the differences between the concepts of “novelty”, “know-how”, “innovation” are investigated; the relationship of the triad of concepts “novelty”, “know-how”, “innovation” is determined; concept of “innovation” has been studied in retrospect; concept of “innovation” in market economy is studied (foreign experience); approaches to definition of concept of "innovation" in international innovation theory and practice are defined; content of innovation process is presented, as well as author’s alternative scheme of innovation process; authorэs view on interpretation of concepts of “innovation”, “innovation process” in modern conditions is presented. Methods: theoretical and methodological basis was concepts, hypotheses and theories presented in works of domestic and foreign researchers. The methodology is based on systematic approach, within which methods of comparative, factorial, subject-object, structural-functional, statistical analysis and extrapolation have been applied. Results and their significance: article examines concepts of “innovation”, “innovation process” in retrospect and in modern aspect. Approaches to concept of "innovation" are systematized, an alternative scheme of innovation process is proposed. It is proved that in modern conditions innovation should be considered as process system reflecting all aspects of innovation process, main purpose of which is to achieve efficiency

It is known that the nutritional value of proteins is primarily characterized by the composition of essential amino acids and is determined by their accessibility. Not just proteins are necessary for the good functioning of the human body, but a certain amount of essential amino acids. Since the lack or absence of any of them causes serious health problems. The problem of protein malnutrition is global for many reasons and to solve it, it’s necessary to study the prospects for the possible use of non-traditional sources of dietary protein, namely vegetable protein. Considering this, the article presents the results of studies conducted over several years, the objects of which were dairy and vegetable products and protein hydrolyzate from chickpea flour. At the same time, the possibility of its use as a filler of plant origin to improve the physicochemical and structural-mechanical properties of a new type of finished product was determined. The purpose of these studies is to develop a recipe and determine the technological stages of production of a new type of product of dairy and vegetable origin, which has a functional focus, in which vegetable products are used together with dairy components. It should be noted that when selecting components, preference is given to raw materials grown in the local region. When developing the recipe, the optimal amount of chickpea protein hydrolyzate to be added was determined, which makes it possible to give the finished product not only attractive commercial characteristics, which the modern consumer primarily pays attention to, but also to obtain such product properties that will help strengthen the immune system and the resistance of the human body to adverse conditions environment, what is especially important for the younger generation. When developing the technology of a new dairy-vegetable curd mass, the optimal modes of each technological operation and the stage at which it is most expedient to apply a vegetable component are determined. Launching the developed product into production, the manufacturer will not face the problem of the lack of the necessary equipment and its expensive acquisition, since the production organized according to the proposed technology is maximally adapted to the equipment available at enterprises engaged in the production of cottage cheese and curd products.

The article is devoted to the study of the reaction of hydromentoxycarbonylation of isobutylene in the presence of palladium phosphine complexes in order to optimize the method of obtaining menthyl ether of isovaleric acid, which is the main component of the drug «Validol». The purpose of the article is to improve the methods of obtaining menthyl ether of isovaleric acid (the main active component of the drug "Validol") and to study the reaction of hudromentoxycarbonylation with l-menthol and carbon monoxide of isobutylene in the presence of homogeneous catalytic systems based on palladium phosphine complexes. The article presents studies on the content of validol from various types of raw materials by the method of GC analysis. In the commercial samples of validol obtained from natural l-menthol and industrial isovaleric acid (obtained as a result of the oxidation of "fermentation isoamyl alcohol"), there are 2 components (l-menthyl ether of l-menthol and isovaleric acid), additionally 2 % menthene hydrocarbon and 23 % L-menthyl ether of methyl ethylacetic acid. A probabilistic mechanism of the reaction of the hydromentoxycarbonylation of isobutylene with l-menthol and with carbon monoxide and in the presence of catalytic systems based on the studied palladium phosphine complexes is proposed.

Main problem: In recent years, the world has seen the widespread impact and implementation of digitalization in all areas of activity. The financial sector is increasingly feeling the impact of this trend. Today, banks are the leaders in this sector in the use of digital innovations. In connection with current events in the world, banks needed to resort to transformation of their products. Products and services such as Internet banking, chat bots, contactless payment systems, biometric identification technologies, etc. appear and are constantly updated. The article discusses the main trends in the development of digital banking products and their impact on the performance of banks. Purpose: is to study and evaluate new digital banking products and their impact on the key performance indicators of the banking sector. Results and their significance: The directions and trends in the development of new digital banking products were studied and the performance indicators of the banking sector of the Republic of Kazakhstan were compared.