Ekaterina V. Chernykh
Junior ResearcherE-mail: chernyh_e (at) mail.ru
Curriculum Vitae
Personal Information
Date of birth: March 31, 1972
Place
of birth: Moscow
Education
12.1995 - 12.2000: Central Economics
and Mathematics Institute, Russian Academy of Sciences
Postgraduate studies
1990
- 1995: The Lomonosov Moscow State University, Faculty of Economics
Qualification:
economist - mathematician
Specialization in economic cybernetics
Advanced training:
02.1994 - 12.1994: Moscow State Law Academy
Concentration
in: Civil law, Land law,Housing law
Work Experience
December
2003 - present: Laboratory of mathematical economics, Central Economics and Mathematics
Institute, Russian Academy of Sciences
Junior Researcher
Area of
research: housing market and mortgage credit.
May 2003 - October 2003: JSC
"Mosobltrastinvest"
First deputy of general director
Company
management. Developed a program of housing financing for employees of state unitary
enterprise "Mostransavto" and got approval from Moscow Regional Government.
April
2001- March 2003: JSC "Industrial insurance company"
Chief executive,
Mortgage Insurance Management
New insurance products were developed and
introduced: insurance of a title of the property in the market of the real estate
for individuals, insurance of financial risks in the share participation in the
real estate development for individuals and legal entities.
Developed a program
of mortgage lending on the basis of long-term life insurance "Future Today"
(Pilot projects in the Udmurt Republic, Rostov and Moscow region).
Implemented
corporate program of mortgage lending on the basis of long-term life insurance
company employees of NPO "Machinery", Reutov, Moscow Region.
Studied
the experience of the German Bausparkasse and insurance companies in the mortgage
market.
January - April 2001: Laboratory of mathematical economics, Central
Economics and Mathematics Institute, Russian Academy of Sciences
Researcher
Area
of research: real estate market, mortgage lending.
In 2001 and 2002, organized
a monthly scientific and practical seminar "Mortgage lending in Russia".
During the workshop, held 14 meetings, and has collected 14 works of scientists
and experts in the field of development of mortgage lending and housing finance
in Russia.
December 1995 - December 2000: Central Economics and Mathematics
Institute, Russian Academy of Sciences
Postgraduate studies
Area
of research: real estate market, mortgage lending.
Since 1996, actively cooperated
with the Russian Guild of Realtors: collected and processed statistics on the
real estate market in Russia, studied dependence of prices in the Russian housing
market on households' incomes, U.S. dollar exchange rate and other factors. Was
involved in the writing of reports "Russian real estate market" in 1996,
1997 and 1998.
Since 1999 actively co-operated with Gosstroy of the Russian
Federation on issues of development of mechanisms for mortgage lending, participated
in conferences "Construction and housing finance" in 2000 and 2001.
Under the supervision of the Deputy chairman of Gosstroy RF Ponomarev V.N. had
prepared "Program of mortgage lending in regions of the Russian Federation",
which was recommended by Gosstroy for the development of regional programs. Participated
in the development of program of housing finance, using the mechanisms of mortgage
lending for Krasnodar Rostov regions and Udmurt Republic.
In the city of Krasnodar,
Russia conducted a population survey to identify the demand for mortgage loans.
Results of inspection were issued in the report for the City administration.
Selected Publications
Polterovich V.M., Starkov O.Yu., Chernykh E.V. "Contractual savings for housing: a mortgage institution for Russia", Voprosy Economiki, 2005, ¹ 1, pp. 63-86. (in Russian)
Polterovich V.M., Starkov O.Yu., Chernykh E.V. "Contractual savings for housing: perspectives in Russia", WP/2004/176/-Ì., CEMI RAS, Russian Academy of Sciences. (in Russian)
Polterovich V.M., Starkov O.Yu., Chernykh E.V. "Contractual savings for housing and mortgage market development". "Real Estate and Investments. Legal Regulation", 2004, ¹ 4(21), pp. 13-19. (in Russian)
Chernykh E.V., Sternik G.M. "A study of parametric space model of housing market of Moscow Region" Proceedings of the second forum of capital city realtors, Moscow, 11.09.2003. (in Russian)
Chernykh E.V. Kozlovsky A.V. "ENDOWMENT SAVINGS PROGRAM", Proceedings of the Conference on Housing and Urban Development in New Europe ENHR conference (25-29 June 2001, Pultusk, Poland). (in Russian)
Chernykh E.V. Sternik G.M. "Evolution of the quality of housing in the transition economy of Russia (the case of Moscow)" Conference Materials, European network of realty researchers, Vienna, 1-5.07.02. (in Russian)
Chernykh E.V. "Credit Union as a basis for the development of mortgages in Russia", Newspaper: Business and banks. -1999, N 22. - pp. 1-3. (in Russian)
Chernykh E.V. "The history and prospects for development of mortgage lending in Russia", WP/98/048/-M. CEMI, Russian Academy of Sciences. (in Russian)