Balash V. A. BalashV. A. Country: RussiaCity: SaratovCompany: Saratov State University410028, Russia, Saratov, Astrakhanskaya str., 83 Position: профессорScientific degree: доктор экономических наук,E-mail: vladimirbalash@yandex.ru Author's articles Comparison of Accuracy between Different Methods of Forecasting the Term Structure of Interest Rates Cluster Analysis of Food Shops Location in a Polycentric City Specific of Evaluation of Innovative Projects Effectiveness Using Portfolio Approach Using Multi-state Markov models to predict the probability of borrowers’ default