Panina D.S.
FEATURES OF REGULATION OF THE INDUSTRY OF ELECTRONIC PAYMENTS: EXPERIENCE OF FOREIGN COUNTRIES ^{[№ 4 ' 2015]}
Formation of the industry of electronic payments in modern Russian practice happens in difficult economic conditions. Absence of accurately formulated national standards in the field of electronic payments, creates additional difficulties in their development. Therefore further development of system of electronic payments on the foreground raises a question of its settlement. In world practice there were two approaches to regulation of electronic payments now: liberal and standard. Both points of view found reflection in formation of three main models of electronic payments: Asian, European and American. Asian models are characterized by the most tough policy of regulation (from the state monopoly for release of electronic money before introduction of restrictions of access of the foreign companies) that allowed to eliminate both internal, and external threats to security of national payment system that is especially actual in the conditions of a modern geopolitical situation. The position of the countries of the European Union decides as moderately standard on liberal views elements. Their main tasks are ensuring access on the market to new players and creation of the effective competitive environment for all participants. According to heads of U.S. Fed, the role of the state has to be reduced only to creation of conditions for competition development (for example, through tax eases). Approach to regulation of the industry of electronic payments in the American practice is considered the most liberal, so — the softest. These models of electronic payments from a position of state regulation are really extremely contrast and very specific, everyone has the advantages and positive practical results. Development of standard and legal base in the field of regulation of electronic money in Russia, certainly, has to consider the experience which is available in foreign practice. Owing to the catching-up development there is a real possibility of creation of the Russian system of electronic payments taking into account world experience, but not by trial and error.

Panina S.S, Shein E.V.
MOVEMENT OF WATER IN AND LOW HEAD GRAVITY FILTRATION ^{[№ 12 ' 2011]}
Soil moisture movement depends on the upper boundary conditions (the presence or absence of hydraulic pressure). It was showed in field experiments on grey cultivated soil that the presence of pressure head causes the preferential water movement. The best reproducibility of the field moisture dynamics by physically based water migration mathematical model was observed when use the data on granulometric composition.

Panina D.S.
RETROSPECTIVE ANALYSIS OF TRENDS OF PAYMENTS TOOL: THE EXPERIENCE OF RUSSIA ^{[№ 13 ' 2010]}
The article identified the major trends of historical development of payment instruments in the Russian practice. Based on a retrospective analysis concluded that the cyclicity of the vector and full compliance of its development objective, the real situation in the country's economic situation and changes in the payment tools can serve as a barometer of economic reforms as regressive and progressive nature.

Umarova A.B., Shein E.V., Medko N.N., Panina S.V.
THE MOVEMENT OF MOISTURE IN THE GRAY FOREST SOIL IN THE CONDITIONS OF PRESSURE AND NOT PRESSURE ABSORPTION ^{[№ 12 ' 2010]}
The authors carried out field experiments on the study of the vertical movement of moisture in the gray forest soil of Vladimir opole under the conditions of pressure and not pressure absorption. It is shown that with the presence of pressure on the surface of soil expressed shaping of the preferred flows of waters, which accomplish significant mass transfer, occurs. During the fine dispersed irrigation is observed the gradual moistening of soil profile, which subsequently contributes to the best retention of moisture in the root-inhabited layer.

Panina D.S.
BASE CRITERIA OF APPRAISAL OF ECONOMIC EFFECTIVENESS AND SAFETY OF RUSSIAN PURCHASING SYSTEM ^{[№ 8 ' 2010]}
The author of this article reveals and analyzes base criteria of appraisal of economic effectiveness and safety of purchasing systems on the base of which she makes a conclusion of necessity of serious transformational changes in Russian national purchasing system which is very actual in conditions of growing integration in a work economy.