Academic Communications Samples

Below please find some partial samples of our work

Sample One

Achieving sustainable development of financial institutions has been at the forefront of the world agenda since the end of the recent economic crisis in 2008-2009. Prudent supervision of the banking sector is critical to reach this goal. Russia ranks third in the number of banks globally, after the United States and Germany. However, Russia’s major bank, The Bank of Russia, lacks the necessary resources to organize regular field inspections of a large number of its banks. This is why The Bank of Russia urgently needs a remote system to monitor the national-banking sector. This system should enable the most vulnerable banks to be identified and properly supervised to improve banking-sector stability.


The probability-of-default (PD) model constitutes a possible instrument to address this problem. The PD shows the likelihood of a bank failure over a fixed assessment period. This paper reviews binary choice models that attempt to describe, predict, and prevent defaults of Russian banks with regard to national-banking sector peculiarities. To achieve this, we have utilized the experience of PD model creation for emerging economies, i.e., BRICS and Eastern Europe. The majority of existing work on the Russian banking experience examines the collapse of the Russian banking system in 1998. However, the rules of the game and the economic environment have dramatically changed since that time.

Sample Two

In recent years, crack extraction and classification of actual pavement sections has constituted one of the central topics in highway transportation applications. Crack detection is a particularly critical aspect of pavement maintenance. It enables a growing body of knowledge about real pavement cracks in terms of their shapes and types, and informs optimal maintenance decisions. Therefore, crack detection data archiving and recording are currently performed due to a huge increase in traffic volume on roads, differences in weather conditions, and poor asphalt materials. As the Army Construction Engineering Research Laboratory (USACERL) states (citation), “More than 560 million square yards of actual pavement sections largely requires a methodical objective procedure of determining existing cracks for maintenance priorities and rehabilitation (M&R) strategies”. It is clear that crack detection for all pavement sections of all countries should be performed and made easily accessible to asset managers. However, many challenges exist in crack detection and classification plans associated with executed data acquisition methodologies, data arrangement and archiving, data analysis, and data verification objectives. Thus, a complete systematic procedure for crack extraction and classification is urgently needed (citation).

Sample Three

In the winter of 1863, the first 13 Korean immigrants to Russia settled in the valley of the Tizinkhe River, which is located 5 km north of the Posyet Port of Novgorod Bay, across the Duman River at the border of Hamgyeong-bukdo. They were illegal residents and stateless, without possessing any official documents issued by either Soviet Russia or the Joseon Dynasty. In fact, their settlement in the area constituted a life-threatening action because they would be subject to summary execution if they were caught by border guards. In an effort to increase their security, Korean families requested official permission from First Lieutenant Rezanov at Novgrod to legitimately reside in the area, as well as secure his protection from the Red Turban rebellion, which involved horse-riding marauders in the Manchuria area. In response to this request, the Russian government not only authorized their legal residency in the area, but also provided them with food and agricultural supplies for farming.

Sample Four

The Qaidam Basin is a meso-cenozoic continental facies petroliferous basin circumscribed by three mountain systems: the Altun Mountains, the Kunlun Mountains, and the Qilian Mountains (citation). The formation and evolution of the Cenozoic reservoir in the west area of the Qaidam Basin are affected by subduction of the Indian Plate, uplifting of the Qinghai – Tibetan Plateau, strike-slip of the Altyn Tagh Fault, as well as new special and complex orogeny and hydrocar