Solovykh G.N., Golinskaya L.V., Tikhomirova G.M., Fabarisova L.G.
EVALUATION OF HYDRO CHEMICAL POLLUTION OF WATER ECOSYSTEMS IN TERRAIN OF THE ORENBURG REGION ^{[№ 12 ' 2011]}
The findings of investigation of an ecological state of water ecosystems of the Orenburg region is submitted on the basis of monitoring chemical pollution water drawing of bottom-dwelling deposits. The presence is given of a wide spectrum of pollutants (69 elements is established and the evaluation of a degree of a load of pollutants of different bunches of water ecosystems of the Orenburg region.

Tikhomirova E.I.
PERSONAL DEVELOPMENT OF A MAN AT THE SPHERE OF MODERN EDUCATION ^{[№ 2 ' 2011]}
In article the tendencies defining essence of personal development of a human being in modern education are presented.

Tikhomirova E.V.
MANAGEMENT OF THE CREDIT PORTOFOLIO OF BANK ^{[№ 7 ' 2003]}
Expansion of crediting of real sector of economy, increase of volume of credits and change of structure of credit investments will demand more effective control system of a credit portofolio of commercial bank. Now a credit portofolio of the Russian banks the significant share is occupied with prolonged credits. Therefore the problem of prolongation is enough serious for Russia, demands development of an effective technique of the analysis of quality of a bank credit portofolio.