Третьякова И.Н.

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.

Small and medium sized businesses play an important role in the development of the modern economy, which directly affects the standard of living of the population in particular, as well as ensuring the stability of modern society as a whole. To perform their significant functions for the economy as a whole, and for the population in particular, small and medium sized businesses need credit security. The main role in this issue is assigned to banks, which are one of the largest participants in the financial market. It should be noted that the share of small and medium sized businesses in the structure of lending by banks is insignificant. The main reasons for this situation are: low profitability of lending to small and medium sized businesses for banks; difficulty in assessing the real financial condition of the subjects under consideration; high risks of non repayment of the loan. Based on this, the relevance of the study is due to the need to identify the degree of development of lending to small and mediumsized businesses, which is especially important at the regional level. To analyze the state of lendingto small and medium sized businesses, the volume of loans issued to legal entities and individuals in the territorial context was analyzed; their share in the total volume was determined; their comparative analysis was carried out; and the types of economic activities where the largest volumes of loans for the development of small and medium sized businesses are concentrated were also identified.Conducted in the study, on an actual topic, allowed us to draw conclusions about the state of development of lending to small and medium sized businesses, as well as to offer recommendations for improving an important aspect of the country's economy.