The global trend in recent years is the consideration as the main determinant of the competitiveness of national economies NBIC-the synthesis of nano-bio-information technology and cognitive science. Therefore, the issues of digitalization of the agro-industrial complex in the Russian economy are a logical continuation of the national economic policy along the trajectory: modernization-innovationsinformatization-digital economy. The importance of the AIC in the digital economy is determined by a number of factors. First, it is an industry where goods are manufactured that satisfy the primary needs of consumers at the micro level, and the country's economic security at the macro level is ensured. Secondly, it is an industry in which complex transformation processes take place, including trends in the integration of economic actors. The authors consider agro-industrial clusters as a logical stage of integration in the overall digitalization of the economic system. The formation of the digital economy in the short term may become one of the breakthrough directions of the country's development and the interaction of economic entities of the agroindustrial complex in the digital economy should be based on the achievements of scientific and technological progress, the use of information technologies, and the formation of a common information space within agro-industrial clusters. The development of "intelligent" agriculture has the greatest chances in the organizational and economic models of agro-industrial clusters, which include not only forms of interaction between economic entities, but also internal mechanisms of interaction with innovative institutions and technological platforms
Пиринговое кредитование возникло в ответ на вызов времени, в тот момент, когда банки показали свои слабые стороны: крайнюю зарегулированность и неповоротливость. Именно это привело к появлению на мировом финансовом рынке нового механизма -пирингового кредитования, требующего всестороннего изучения, которое целесообразно начать с анализа рынков пирингового кредитования в двух странах-основоположниках -Великобритании и США. Этапы развития пирингового механизма в указанных странах отражают тенденции мирового рынка в целом. Проведенный структурно-динамический анализ позволил выявить общие тенденции развития рынков в части замедления темпов их роста в ближайшие пять лет, что свидетельствует о постепенном достижении рынками своего максимума и необходимости поиска новых путей качественного развития с целью количественного увеличения показателей. Анализ различий в законодательном регулировании рынков показал, что основные отличия базируются на применении разных моделей пирингового кредитования в Великобритании и США, что в свою очередь приводит к неидентичным объектам регулирования с юридической точки зрения, хотя в целом концепция пирингового кредитования при этом не меняется. Ключевые слова: банки, Великобритания, пиринговое кредитование, регулирование, США, финтех JEL: G20, G21, G23 Великобритания и США -две страны с англо-саксонской системой права, которые являются одними из основоположников пирингового кредитования. Именно в этих странах началось развитие Р2Р кредитования, которое в дальнейшем нашло свое место на финансовом рынке многих других стран, в т.ч. и России. Интересно изучить американский и британский рынки пирингового кредитования с целью их сравнения, выявления сходства и различия.* Исследование выполнено при финансовой поддержке РФФИ в рамках научного проекта № 19-010-00243 «Пиринговое кредитование в архитектуре формирующейся цифровой финансовой системы России».
Today, the agro-industrial complex is one of the priority areas for the development of the Russian economy. Being a system-forming industry in the country's economy and the social life of society, it is distinguished by the size of its material and technical base, the scale and breadth of the distribution of production, and the number of employees. The purpose of the study: to determine the place of agro-industrial clusters in the system of digitalization of the economic system of the Russian Federation, to identify the role of the agro-industrial complex in solving the strategic tasks set by the country's leadership. Research methods: the authors conducted a large study of foreign and domestic scientific papers on institutional and cluster analysis, as well as the principles of localization and regionalization of the agricultural sector of the economy. The results of the study: the article emphasizes the need to improve the efficiency of domestic agriculture through the introduction of digital technologies and the formation of a single information space in the framework of agro-industrial clusters aimed at improving the country's competitiveness, improvement of investment attractiveness of regions, strengthening the country's food security. In conclusion, the authors found that agro-industrial clusters are the most effective form of interaction of economic entities in the Russian agricultural sector by creating a synergistic effect through the interaction of three institutional sectors-science, business and government. The main directions and forms of interaction of subjects of agriculture, taking into account the State program of development of agriculture and regulation of markets of agricultural products, raw materials and food for 2013-2020, and also the Forecast of scientific and technological development of agroindustrial complex of the Russian Federation till 2030 are offered.
The article studies specific features of transformational changes both in national economy in general and on sectoral markets in particular due to COVID-19 pandemic. It is shown that we can observe fundamental transformation of customer behavior towards the increasing demand for goods providing essential needs, which in the future can result in shaping new sustainable behavior models on food market. It proves the necessity to control prices on the part of state. By researching economic effects of transforming the structure of foods consumption and their supply the authors draw a conclusion that the key share in production structure and dynamic of agricultural produce output belongs to big economic forms, they also put forward a hypothesis about keeping the trend towards integration on the part of supply. The trends identified by the authors in the field can give an opportunity to devise in the future alternative models of scenario forecasts of trends in developing small and large economic structures in the effective institutional conditions. The article also studies the importance of product customization as a factor of sustainability of small economic structures.
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