Ақша айналысын ұйымдастырудағы төлем карточкаларын қолданудың тиімділігі және оның даму келешегі

    Апробация результатов исследования. По теме исследования опубликованы 12 научных статьей общим объемом 6,24 п.л. Основные теоретические аспекты и практические результаты исследования докладывались и обсуждались на международных научно-практических конференциях. Отдельные результаты диссертационной работы нашли применение в учебном процессе при чтении лекции по курсами «Деньги, кредит, банки», «Денежно-кредитное регулирование» и «Банковское дело» КазЭУ имени Т.Рыскулова.

    Практическая  значимость результатов  исследования состоит в том, что содержащиеся в диссертации теоретические положения и практические рекомендации могут быть использованы в коммерческих банках и страховых компаний. Материалы научного исследования могут быть использованы при чтении лекций и проведении практических  занятий по курсам «Деньги, кредит, банки», «Денежно-кредитное регулирование» и «Банковское дело». 
 

    

    SUMMARY 

    Thesis of Kenges Gulzhihan

    on award of the scientific degree of the Candidate of economical science on specialty 08.10.00 – Finance, financial currency and credit 

    Efficiency of use of payment cards and prospects of its development in organization of the financial currency (on materials of the second level banks of the Republic of Kazakhstan) 

    Urgency of research. The primary goal of development of the state payment system of Kazakhstan is its complete bringing into accord with standards of the European Union payment system, and introduction the new forms of payment means and their further development as well.

    Thus, for coordination of work of the payment cards services it is necessary to establish uniform national system.

    Besides creation of uniform payment system of the CIS countries (ЕврАзЭс or other structure), uniting actually national systems in a single whole, and also popularization of payment system of Kazakhstan among the CIS countries and abroad, is one their basic directions. Last ten years are characterized by an all-around development of all spheres of human activity, and in particular scientific and technical progress in sphere of economy.

    Aim and research problems. On the basis of the complex analysis of formation and functioning of the Kazakhstan market of payment cards to present scientifically proved offers having the theoretical and practical importance in the organization of a monetary turn and directed on the further increase of efficiency of use of payment cards.

    According to an object in view, dissertational work solves following problems:

    - To consider economic value of a monetary turn;

    - To present the review of formation, kinds and principles of service of payment cards;

    - To give the comparative characteristic to payment system and use of payment cards in a domestic and foreign practice;

    - To analyze tendencies of development of the banks using a payment card, and also its influence on development of payment system;

    - To assess economic efficiency of payment cards for acceleration of a monetary cycle, and also to risk at their use;

    - Scientifically to generalize offers on increase of efficiency of use of payment cards in Republic Kazakhstan.

    Scientific novelty of research. During research the following results confirming novelty of dissertational work has been received:

     - The author studies and systematizes theoretical aspects of a monetary turn, a payment turn;

    - On the basis of the complex analysis of the market of payment cards actual problems of payment system are certain;

    - Various ways of efficiency of payment cards and risk of their use are certain and estimated;

    - Various ways of management are offered by risks;

    - The legal base and the practical offers directed on increase of efficiency of service of a payment card are presented.

    Statements, presented for defense, covers theoretical rules about value and the maintenance of payment cards and practical offers on increase of their efficiency:

    - Being guided by the basic theoretical conclusions and the opinions, concerning payment system, deepening them, the author gives own definitions of concepts « a monetary turn », « payment cards »;

    - On the basis of the complex analysis, the basic conditions and preconditions for creation of uniform payment system are certain;

    - The basic requirements and practical offers for creation of uniform perspective of inter-bank system of payment cards;

    - The practical model directed on the organization of system of safety against fraudulent use of payment cards and against decrease of bank risks are presented.

    Monetary currency is one of the components which characterizes the sphere of capital turn, the process of substitution of banknotes and coins between subjects of economic relations, and reflects the process of division of financial means of consumers depending on specific aims and capable of acting as a term or turn currency.

    Monetary turn is a continuous process of movement of cash and non-cash funds which facilitate monetary turn through different monetary channels, take part in public production and serve as a cash and non-cash currency for payment of labor, means of exchange for goods and services between financial and non-financial participants of economic process. 
 
 
 
 
 
 
 
 
 
 
 
 
 

      
 
 
 
 
 
 
 
 
 

    Кеңес гүлжиҺан КЕҢЕСҚЫЗЫ

    Ақша  айналысын ұйымдастырудағы төлем карточкаларын

    қолданудың  тиімділігі және оның даму келешегі

      (ҚР екінші деңгейдегі банктер материалдарында)

    08.00.10 - Қаржы, ақша айналысы және несие

 
 

    Экономика ғылымдарының кандидаты 

    ғылыми дәрежесiн алу үшін дайындалған диссертацияның 

    АВТОРЕФЕРАТЫ 
 
 
 
 
 

    Подписано в печать 22.10.2010г. Формат 60х84 ^1/16.  
Печать цифровая. Бумага офсетная. Усл. печ. л. 1,5. Тираж 100 экз. Заказ № 0389.

      
 
 
 
 

     

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