E.M. Remezova - Senior Lecturer, Vladimir State University named after A.&N. Stoletovs. E-mail: katari-na.remezova@yandex.ru V.G. Chernov - Dr. Sc. (Econ.), Professor, Vladimir State University named after A.&N. Stoletovs. E-mail: vla-dimir.chernov44@mail.ru