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Ekaterina V. Chernykh

Junior Researcher
E-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, pp. 63-86. (in Russian)

Polterovich V.M., Starkov O.Yu., Chernykh E.V. "Contractual savings for housing: perspectives in Russia", WP/2004/176/-., 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, 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)

CEMI RAS 2009