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<!DOCTYPE article PUBLIC "-//NLM//DTD JATS (Z39.96) Journal Publishing DTD v1.3 20210610//EN" "JATS-journalpublishing1-3.dtd">
<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">umj</journal-id><journal-title-group><journal-title xml:lang="ru">Университетское управление: практика и анализ</journal-title><trans-title-group xml:lang="en"><trans-title>University Management: Practice and Analysis</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">1999-6640</issn><issn pub-type="epub">1999-6659</issn><publisher><publisher-name>Federal State Autonomous Educational Institution of Higher Education «Ural Federal University named after the first President of Russia B.N.Yeltsin»; Non-Commercial Partnership “University Management: Practice and</publisher-name></publisher></journal-meta><article-meta><article-id custom-type="elpub" pub-id-type="custom">umj-951</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>Статьи</subject></subj-group></article-categories><title-group><article-title>ДЕШЕВЫЕ ОБРАЗОВАТЕЛЬНЫЕ КРЕДИТЫ - ПРОРЫВ В БУДУЩЕЕ (БИЗНЕС-СТРУКТУРА СОЦИАЛЬНОГО ПРОЕКТА)</article-title><trans-title-group xml:lang="en"><trans-title>CHEAP EDUCATIONAL CREDITS - BIG BREAK
INTO THE FUTURE (BUSINESS-STRUCTURE OF A SOCIAL
PROJECT)</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Погорельский</surname><given-names>Александр Львович</given-names></name></name-alternatives><email xlink:type="simple">info@investconsult.ru</email><xref ref-type="aff" rid="aff-1"/></contrib><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Иосад</surname><given-names>Владимир Михайлович</given-names></name></name-alternatives><email xlink:type="simple">vladimir.iosad@egartech.com</email><xref ref-type="aff" rid="aff-2"/></contrib><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="western" xml:lang="en"><surname>Pogorelskiy</surname><given-names>A. L</given-names></name></name-alternatives><email xlink:type="simple">noemail@neicon.ru</email></contrib><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="western" xml:lang="en"><surname>Iosad</surname><given-names>V. M.</given-names></name></name-alternatives><email xlink:type="simple">noemail@neicon.ru</email></contrib></contrib-group><aff xml:lang="ru" id="aff-1"><institution>фонд "Территория будущего"</institution><country>Russian Federation</country></aff><aff xml:lang="ru" id="aff-2"><institution>компания «EGAR Technology»</institution><country>Russian Federation</country></aff><pub-date pub-type="collection"><year>2006</year></pub-date><pub-date pub-type="epub"><day>10</day><month>04</month><year>2019</year></pub-date><volume>0</volume><issue>3</issue><fpage>78</fpage><lpage>83</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Погорельский А.Л., Иосад В.М., Pogorelskiy A.L., Iosad V.M., 2019</copyright-statement><copyright-year>2019</copyright-year><copyright-holder xml:lang="ru">Погорельский А.Л., Иосад В.М., Pogorelskiy A.L., Iosad V.M.</copyright-holder><copyright-holder xml:lang="en">Погорельский А.Л., Иосад В.М., Pogorelskiy A.L., Iosad V.M.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://www.umj.ru/jour/article/view/951">https://www.umj.ru/jour/article/view/951</self-uri><abstract><p>Статья предлагает краткий анализ текущей ситуации в кредитовании высшего образования в России,  а также общий подход к развитию эффективной системы образовательного кредитования. Эта система предположительно будет реализовываться в контексте существующего законодательства, учитывая уровень развития российского финансового и образовательного рынка.</p></abstract><trans-abstract xml:lang="en"><p>The following article suggests a short analysis of the current situation with higher education  credits in Russia, and also the general approach to develop an effective system of educational crediting. This system is supposed to be realised in the context of existing legislation, taking into account the level of development of Russian financial and educational  market.</p></trans-abstract></article-meta></front><back><ref-list><title>References</title></ref-list><fn-group><fn fn-type="conflict"><p>The authors declare that there are no conflicts of interest present.</p></fn></fn-group></back></article>
