Chirkova E.N., Zavaleeva S.M., Sadykova N.N., Chernoprudova P.V.
MORPHOLOGICAL FEATURES OF THE LUNG AND HEART OF THE BRANDT’S BAD (MYOTIS BRANDTII) ^{[№ 6 ' 2017]}
Bats are fairly widespread, are an important and permanent component of many biocenoses. However, the hidden and specific way of life of bats, their morphological features, did not contribute to the full study of these animals on the territory of not only the Orenburg region, but all of Russia. Evolution of these animals proceeded along the path of adaptation to flight and development of the air habitat, which was accompanied by profound changes in their biological organization. In the second half of the XX century the inventory of the fauna of the bats of the Urals in general was completed. In the region, 12 species of bats were identified. At the present time, as a result of the use of modern technical means of detecting bats and more sophisticated devices for capturing in field research, a qualitatively high level of study of bats has been noted. It is known that animal organs can be modified depending on the lifestyle and overall load on the body, including the heart and lungs, the variability of which is not only of general biological interest, but has some significance in the disclosure of physiological processes, depending on environmental conditions.The bat’s lungs are proportional to the formation, which is caused by the need to stretch them in different directions and to varying degrees. A certain dependence on the type of breathing has the development of paired parts and depends on the locomotion of the animals. According to our data, the bat’s right lung is lobular, but it is not marked in the left lung. The right lung includes the apical, cardiac and diaphragmatic lobes and the most developed is the diaphragm, which is determined by the type of respiration of the animal. From the right lung, a small, unpaired, overactive fraction that probably is an indicator not only of the organization of the lungs, but also shows the ratio of the lungs to the heart with its large vessels, and to the diaphragm, separated from the heart by this lobe. The hard part from the inside of the anterior margin has a special bronchus. Education in the lobes of shares according to their number, shape and position is not accidental, but it is natural and inherent only in mammals.

Donetskova O.Yu, Sadykova L.M.
ABOUT THE DEVELOPMENT OF BANCASSU RANCE IN RUSSIA ^{[№ 8 ' 2015]}
Since the mid-80s in Europe actively there is a process of mergers and acquisitions of financial institutions, who in the mid 90's and joined Russia. Financial intermediaries began to create financial unions and associations, in particular the merger of banks and insurance companies that led to the emergence of markets of financial services of the phenomenon of bancassurance. With the institutional approach, bancassurance is a way of organizing cooperation between banks and insurance firms. With the functional approach, bancassurance is the organization of the system of cross-selling banking and insurance products through a single point of sales, mainly through a network of Bank branches and Bank offices.In practice, the cooperation between banks and insurers can be represented in several forms, which represent successive stages of development (from simple to more complex) joint business banks and insurers in banking insurance. Cooperation of banks and insurance companies is carried out mainly in the following areas: retail bancassurance, c. rporate bancassurance and insurance risks faced by banks. Since 2013 has formed a new sector bancassurance — non-credit insurance, including investment life insurance mixed life insurance and property insurance of physical persons. Currently, there are few problems that restrict the development of bancassurance in Russia. The authors have systematized the difficulties of development of bancassurance: the high cost of time and resources, high risk of interaction, the reluctance of banks to implement new projects high Commission, "imposition" of bancassurance products, the mismatch performance of insurance firms, the problem of personnel, incompatibility of technologies for banks and insurance companies, the low level of financial literacy and insurance protection. In addition, proposed solutions to these problems that banks and insurance companies must implement together.

Sadykova L.M., Korobeinikova E.V.
CLASSIFICATION CRITERIA INSURANCE PRODUCT ^{[№ 8 ' 2014]}
The article discusses the concept of "insurance product", "insurance service." We study the basic features of the classification of insurance products. A new approach to the existing classification of insurance products on the basis of selection criteria of consumer preferences for insurers and appeal for insurance companies.

Zavaleeva S.M., Sadykova N.N., Chirkova E.N.
RABBIT'S SPLEEN HISTOLOGY IN AGE ASPECT ^{[№ 6 ' 2013]}
This article deals with the problem of histological changes of rabbit's spleen in postnatal ontogeny (from birth till four years). The author defines the diameter extension of lymphatic nodules from birth till one year, the reduction of this characteristic at the age of four and the augmentation of capsule organ and trabeculae thickness by one year.

Sadykova L.M., Korobeynikova E.V.
MODEL OF OPTIMIZATION OF THE RANGE OF INSURANCE PRODUCTS ^{[№ 13 ' 2012]}
In article possibility of optimization of the range of insurance products by creation of the corresponding model providing correction of strategy of development of insurance company taking into account change of factors of demand and a conjuncture of the insurance market is investigated. The mathematical model developed on the basis of the theory of indistinct sets is offered.

Zavaleeva S.M., Sadykova N.N., Chirkova E.N.
CHANGES OF RABBIT'S SPLEEN OF IN AGE ASPECT ^{[№ 12 ' 2011]}
The artide is devoted to the analysis of the problem of rabbit's spleen morthology changes in postnatal ontogenesis (from a neonatal stage till five years). The author contains the explanation of body measunement indicators increasing and marks variability of its form in age aspect. The artide paus special attention to the point that the body index shows its prevailing form is extended and highest and highest growth is observed in physiological maturing.

Khabibulina V.М., Sadykov, L.M.
CONTENTS AND LEVELS OF FORMATION OF THE STRATEGY DTVELOPTENT OF INSURANCE COMPANIES ^{[№ 13 ' 2010]}
The authors draw attention to the fact that among scientists there is no consensus the concept of "strategy". The article discusses the strategy of the insurance company, as an essential element for its further development, as well as the basic levels of its formation.

Sadykova L.M.
PLACE OF INSURANCE IN ORGANIZATION OF CAPITAL MOVEMENT ^{[№ 8 ' 2008]}
The author gives attention that there is no single meaning concerning the conception "insurance", functions of insurance among scientists. In this article insurance is regarded as necessary element of finance relations and also as financial potential of insurance companies.