Колмыкова Т.С.

Relevance. The relevance of the research topic is due to rapid digitalization, which requires the formation of a new quality of human capital. The transformation of the labor market under the influence of digital technologies creates a need for constant updating of professional skills and expansion of competencies. Digital competencies not only contribute to increased labor productivity, but also provide employees with the opportunity to adapt to rapidly changing labor market conditions. Purpose. The aim of the work is to study the possibilities of developing digital competencies of human capital and their effective use at the regional level in the context of digitalization. Methodology. The theoretical and methodological basis of the study was formed by general scientific methods of cognition, as well as publications of domestic and foreign scientists devoted to the problems of developing digital competencies of human capital at the regional level in the context of digitalization. Results and conclusions. The study revealed that the level of human capital development directly affects the digital transformation of regions. It was found that territories implementing systemic activities to develop digital competencies demonstrate higher rates of economic growth and adapt better to technological changes. Application area. The results of the study may be useful for educational institutions, organizations, as well as for specialists in the field of regional management of human capital development.

The relevance of the topic. The improvement of higher education technologies and their adaptation to the modern needs of the digital economy from the perspective of the formation of entrepreneurial thinking provide for new forms of organization of educational and project activities in universities, implemented at the stage of completing the final qualification work as a startup. Goal. The purpose of the work is to study the substantive aspects of the implementation of project activities in the «Startup as a diploma» format. Methodology. The theoretical and methodological basis of the research was made up of general scientific methods of knowledge, as well as publications by domestic and foreign scientists devoted to the problems of human resource management and the development of youth entrepreneurship. Results and conclusions. The Startup as a Diploma program allows you to support and develop the initiative of students in the field of youth entrepreneurship and is aimed at developing flexible skills, project and management skills, the formation of entrepreneurial and financial competencies, the development of a trajectory of personal growth and professional self-realization in the business environment. Such project activities embody a successful symbiosis of science and practice integrated into the educational process. The conducted research indicates that project activity in the startup format contributes to the formation of entrepreneurial thinking. By developing skills in creating startups, problems of preventing youth unemployment, self-employment, and strengthening business innovation are being solved. The expansion of such practices serves as a good basis for the formation of financial competencies and entrepreneurial skills of graduates of higher education. The scope of application. The results of the study can be used in the process of developing and implementing strategies for the formation of an entrepreneurial business environment in the region.

The relevance of the topic. The importance of analyzing the organizational and economic relations arising in the process of transformation of supply chains and bilateral economic ties in the context of sanctions. A study of the transformation of priorities for the strategic development of territories due to sanctions restrictions. Goal. The purpose of the work is to identify trends in regional development in the context of international sanctions. Methodology. The theoretical and methodological basis of the study was made up of general scientific methods of cognition, as well as publications by domestic and foreign scientists devoted to the problems of socio-economic development in conditions of instability of external economic conditions. Results and conclusions. Despite the unprecedented sanctions restrictions and prohibitions that Russia has been experiencing since the beginning of its war, export-import relations, of course, have not stopped, but have gradually been reformatted. These circumstances initiated the process of transformation of supply chains and bilateral economic ties. New formats of interaction have emerged, in particular, parallel imports, and there has also been a reorientation of foreign trade relations, mainly to the East. The conducted research indicates that, despite the aggressive sanctions policy manifested by unfriendly states, Russia has not lost its significant position in the foreign political and trade arena. By actively moving towards preserving its independence, self-identity, and territorial integrity, Russia is strengthening its position as one of the leading powers in the formation of a multipolar world. The most important direction of the development of Russian regions is the improvement of information and digital technologies. The reorientation to its own high-tech production will eventually replace imported analogues and create new export directions for Russia. The scope of application. The results of the study can be used in the process of developing and implementing regional development strategies.

Relevance. The study of modern aspects of the development of the situation on the national financial market in the process of investment activities by its participants confirms the need for the development of new investment instruments. Goal. The purpose of the work is to identify trends that characterize the development of the domestic financial market in conditions of macroeconomic instability and sanctions pressure. Methodology. The theoretical and methodological basis of the study was the publications of domestic and foreign scientists devoted to the problems of ensuring investment activity in conditions of high volatility of the financial market and instability of external conditions of financial and economic activity. The use of tools of general scientific knowledge (dialectical, historical, abstract-logical, empirical generalization, comparison) served to form the author's approach to the study of modern aspects of investment activity in the financial market. Results and conclusions. The modern reality is characterized by geopolitical tensions, global economic instability, sanctions pressure from a number of Western states against the national economy, which, as a result, carries high risks for business and increased volatility in the financial market. Cardinal changes in the external environment significantly affect the domestic financial market and are reflected in the formation of investor behavior strategies. In this regard, measures aimed at ensuring financial stabilization, as well as the development of new tools relevant for financial investments in the context of the spread of digital services and technologies, are of particular importance. The conducted research indicates that the current financial situation is characterized by an increase in consumer activity of the population, increased demand for loans from both companies and individuals, as well as recovery growth in a number of industries, which allows us to hope for a strengthening trend towards an increase in business economic activity. The increased volatility and unstable economic situation led to the adoption of new decisions, the growing popularity of alternative investment directions. Scope of application. The results of the study can be used in the process of developing and implementing strategies to activate the activity of investors in the financial market.

Subject. Organizational and economic relations arising in the process of managing the digital transformation of the national economy. Topic. Research of analytical possibilities for assessing the level of diffusion of digital technologies in the national economy.Purpose. The purpose of this work is to study analytical tools capable of assessing the degree of readiness of the national economy for digitalization. Methodology. The research methodology is based on the implementation of a dynamic analysis of statistical data characterizing the readiness of the economy for digitalization, in comparison with foreign countries. Results. Digitalization creates fundamentally new conditions for doing business, guides companies along the path of creating new business models based on networkization and active implementation of innovative ecosystems. Technological innovations associated with the spread of the Internet of Things, blockchain, and artificial intelligence are changing the very nature of competition. States that are able to quickly respond to changes in environmental conditions, build effective mechanisms for the functioning of the digital economy will enter the global economic elite in the foreseeable future. Applicationarea. The research results can be used in the development and implementation of sectoral and regional strategies for the digitalization of the economic space. Conclusions. The national economy has significant potential in the development of digital technologies, the implementation of which is accompanied by a number of problems in terms of the need to form a full fledged innovative environment, to strengthen the involvement of the business community in the processes of generating innovations, and to introduce large scale digital technologies in all spheres of society.

The introduction of a sanctions regime in relation to the national financial market by a number of western countries entailed significant risks. They wereexpressed in the restriction of freedom of movement of capital, increased competition. The task is set to ensure liquidity and stability of commercial banks in the interests of economic growth of the national economy. Features of the development of the banking system and its role in the Russian economy are determined by the state of the regional banking market. The development of the banking system plays an important role in ensuring the stability of the functioning of the regional economies. The development, maintenance and improvement of the level of development of regional banks is an important aspect that characterizes the level of development of the national banking system as a whole.The study is devoted to the analysis of regions in terms of the potential development of the banking business. The dynamics and volumes of loans and deposits in the regions were assessed. Trends have been identified that determine the development path of the banking sector: an unstable external environment, the active introduction of digital technologies, negative demographic dynamics, and rapidly changing business conditions. A modern banking business will be competitive if it abandons excess profits and is flexible to new business conditions.

The determining factor for sustainable economic growth is ensuring timely and sufficient investment resources. It is important for the region that such sources can be used on a longterm basis. It is also important that they are aimed not only at maintaining existing technologies and industries, but also contribute to the formation of industries of a new technological structure, digitalization. Official statistics indicate a disproportion in the socioeconomic development of Russia’s regions. Disproportions are aggravated by both heterogeneity in natural geographical and demographic parameters, and uneven regional investment space. In this regard, the analysis of the current dynamics of investments in the region and the study of their growth opportunities are of theoretical and practical interest.The article assesses the dynamics of investment support in the Kursk region, identifies trends that have led to changes in the structure of investment financing sources, as well as in the sectoral focus of investments. The problems that impede the flow of investment into the region were identified and measures to intensify work with investors were proposed.

The most relevant concept that meets the conditions for sustainable development of Russian regions is the circular economy. The study of the conceptual basis for the implementation of the principles of circular reproduction allowed to identify as its main property the multiturn use of products based on the secondary use of waste or their complete disposal. The need for the transition of Russian regions to this model is primarily due to the environmental challenges facing the country. The main prerequisite for the introduction of the principles of robotic circular reproduction is the increasing formation of a large amount of waste and a low level of their disposal and disposal. In the article the analysis of dynamics figure for the 2013-2017 assessment of the structure of the waste relative to the regions of the CFD. Information on the organizations engaged in environmental innovation that provides environmental safety in the production process of goods, works and services The ratio and structure of advantages and possible risks of introduction of circular economy are different for each specific territory that generates need of differentiation of ways of its introduction in the regions possessing different level of development. In addition, the specificity of socio economic priorities and ecological culture of the society has a significant impact on these processes. As additional opportunities to ensure sustainable growth of the regional economy, the article outlines the prospects for the introduction of innovative business models and principles of circular reproduction. The main directions of increase of efficiency of introduction of principles of circular reproduction in regions of the country are formulated.

One of the most important decisions of the current stage of development of the Russian economy is the process of restoring liquidity and solvency of the economy as a whole and its individual elements, especially the banking sector. The liquidity of the commercial Bank ensures uninterrupted sup- ply of financial flows to all branches of the national economy, forms the most significant macroeconomic indicators, increases the financial investments of customers, while meeting the demand for lending and the interests of the Bank’s shareholders, providing certain guarantees directly for the Bank itself. The level of liquidity of the banking sector of the Russian Federation is estimated on the basis of the analysis of the main factors affecting it: changes in cash in circulation in the Russian Federation indicate the frequency of seasonal fluctuations; the levels of cash balances on the government’s accounts are characterized by negative and positive peaks. To assess the liquidity of the banking sector studied and analyzed the following relative indicators: instant, current and long-term liquid- ity. These indicators objectively show the effectiveness of operations and activities of the banking sector. To assess the economic development of the region, the liquidity of the regional commercial Bank PJSC «Kurskprombank» was assessed. The analysis revealed that the banking system in the Russian Federation as a whole, and in the regions in particular, is sufficiently reliable and robust.

In the work an attempt was made to consider the objects of the innovation infrastructure as institutions, that is, the «rules of the game» for building relationships between various agents (entrepreneurs, the state, scientists and innovators). It was revealed the presence of institutional effects in the development of innovative infrastructure objects on the basis of a comparison of information on the dynamics and geographical distribution of various types of in- novation infrastructure. The study analyzed statistical data in the time and geographic sections of technology parks, industrial parks, innovative territorial clusters and small innovative enterprises with educational institutions of higher education. Institutional effects are definitely present in the process of development of innovative infrastructure objects, as other factors (for example, factors of the location of production forces) can not explain the significant differences in the quantitative characteristics of the objects of innovation infrastructure. It is shown that the evaluation of the effectiveness of the functioning of innovative infrastructure facilities is usually based on quantitative formal indicators. The objectivity of these indicators is significantly distorted due to the presence of institutional effects, including, inter alia, opportunistic behavior of agents, expressed in formal compliance with the requirements for the use of innovative infrastructure. To ensure the objectivity of the evaluation of the effectiveness of the objects of the innovation infrastructure, it is proposed to take into account the stage of the life cycle of the object of the innovation infrastructure. At the same time, as the statistical data on the functioning of objects accumulate, the range of methods used to evaluate effectiveness also expands. At the stage of maturity, it becomes possible to cross-compare the various objects of the innovation infrastructure by the effectiveness of their functioning for various agents.

The article considers modern methods of complex analysis of the health system in the region. The authors note the importance of studying this problem. Timely and qualitative monitoring of the regional health system contributes to the implementation of measures to improve the quality of medical care for the population, It is proposed to use the methodology for assessing the effectiveness of the health system in the region. It includes resource blocks in the following areas: provision of personnel, quality of life, investments, financial and economic support, material and technical support. We are proposed to calculate the cumulative integral index. Its approbation was carried out on the materials of the Kursk region. The application of this technique allows us to identify «windows of growth» of the regional health system.

The article considers modern methods of complex analysis of the investment potential of the region. The authors note the importance of researching this problem, because the modern economy - the knowledge economy - is based on the development and use of innovative opportunities for a variety of resources: both material and human. To take into account the whole complex of these components is possible with the use of integral methods of evaluation.