V. G. Khalin
Saint Petersburg State University
Russian Federation

Vladimir G. Khalin, Professor of the Chair of Information Systems in Economics, Doctor of Science (Economic), Professor

Saint Petersburg

G. V. Chernova
Saint Petersburg State University
Russian Federation

Galina V. Chernova, Professor of the Chair of Risk management and Insurance, Doctor of Science (Economic), Professor

Saint Petersburg

S. A. Kalayda
Saint Petersburg State University
Russian Federation

Svetlana A. Kalayda, Associated Professor of the Chair of Risk management and Insurance, Doctor of Science (Economic), Associated professor

Saint Petersburg