В условиях развития финансовых институтов актуально стоит проблема изучения трансформации формы института коллективного инвестирования под воздействием цифровизации, а также криптовалют, в частности. Предмет исследования — особенности функционирования ICO как трансформации финансового института коллективного инвестирования. Цель — исследовать ICO как новую форму коллективного инвестирования. Результаты исследования достигнуты через проведение глубокого сравнительного анализа ICO и IPO как инструмента финансовых институтов. Выделены преимущества и недостатки, определены факторы, проведен анализ институционального регулирования ICO, предложены векторы развития в трех плоскостях: для создателей проектов, инвесторов, регуляторов. Результаты могут быть использованы при разработке законов, функционировании платформ совместного инвестирования, при подготовке специалистов в области цифровой экономики и финансовых рынков.
Digitalization today is one of the most global processes that affects all spheres of human life. For the financial market, it is also an integral part of its development. That is why the study of the essence of digitalization of the financial sphere of the economy, the degree of its influence on the segments of the financial market, as well as the features of assessing the level of development of the financial market are the most relevant and important at the present stage of development of economic and financial relations. The article examines the essence of digitalization of the financial market, identifies the prerequisites for the emergence of digitalization in the financial sector. The features of the impact of digitalization on segments of the financial market, such as credit, stock, insurance and monetary markets, are characterized. A methodology for assessing the level of development of the state financial market is proposed
In the context of globalization and digitalization of financial relations, the role of the financial market is increasing. The study of the financial market today is very relevant, since it is the most important part of the financial system of the state. The degree and level of its development depends on how efficiently and in a timely manner the country’s strategic tasks will be carried out. The article presents a comprehensive assessment of the financial market of the Russian Federation, which consists of indicators of the development of the credit, stock, insurance and monetary markets. The best and worst years by the level of development have been determined. To identify the prospects for increasing the level of development of the financial market, a SWOT analysis of the financial market of modern Russia was carried out, which made it possible to conclude that strengths prevail in the Russian Federation, but there are many weaknesses and threats of the external environment. Taken together, the field of strengths and opportunities prevails over the field of weaknesses and threats. Consequently, the Russian Federation has development prospects, but for further development it needs to use its strengths to neutralize threats. Based on the analysis of data from statistical sources and analysis of economic literature, measures are proposed to strengthen and improve the credit, stock, insurance and foreign exchange markets.
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