Headings of the journal
"Economics and Management"

Annotation: Within the framework of this study, the features of lending to individuals in PJSC Sberbank of Russia at the present stage are considered. The object of the study is PJSC Sberbank of Russia as a system-forming bank for the economy of the Russian Federation. The subject of the study is the system of lending to individuals in PJSC Sberbank of Russia. The purpose of this scientific article is to analyze the effectiveness of lending to individuals in PJSC Sberbank of Russia, as well as to develop recommendations aimed at improving lending to individuals in PJSC Sberbank of Russia. The methods of the research used a systematic approach, methods of economic and statistical analysis, methods of tabular and graphical representation of data. The authors consider the organization of the process of lending to individuals in banks at the present stage of development. The efficiency of lending to individuals in PJSC Sberbank of Russia was assessed. On the basis of the conducted research, the authors formulated the main directions for improving the efficiency of lending to individuals in PJSC Sberbank of Russia.

Annotation: The article discusses the issues of VR technology in tourism. The introduction of VR technology in the tourism industry should be primarily considered as an opportunity to visit hard-to-reach tourist routes. The purpose of the study is to analyze the process of using VR technologies in the tourist activity of the Lipetsk region. The object of the study is the tourism industry that currently exists in the Lipetsk region, and modern developments concerning virtual reality technologies. The authors analyzed the needs for VR technologies in tourism in the Lipetsk region. The research was based on the study and generalization of foreign and Russian experience in the field of VR technology in tourism. Many territories that have not yet become popular are experiencing difficulties in attracting customers at the initial stage of development. The Lipetsk region is a historically valuable territory, and even now many interesting events are being implemented in the region. The use of modern augmented reality technologies in the tourism industry will allow businesses to receive additional advertising both for the company and for the territory. The authors propose the introduction of augmented reality technologies in the tourism industry of the Lipetsk region as a pilot project.

Annotation: The scientific literature considers many approaches to the definition of the concept of economic diagnostics and its types. Internal diagnostics is one of the tools to improve the efficiency of the company. The purpose of the article is to show the problem of theoretical definition of the concept of economic diagnostics and methods of its implementation in the modern world. The article systematizes and analyzes various approaches to the definition of the concepts of Diagnostics, Internal Diagnostics, types of diagnostics, diagnostic methods from the point of view of various authors. The main types of diagnostics are identified: Express diagnostics (helps to determine the current state of the enterprise), bankruptcy diagnostics (helps to determine the likelihood of bankruptcy), complex diagnostics (helps to obtain information about violations in the conduct of business activities, plan their activities in the future, rebuild an enterprise that is attractive, both for investors and qualified personnel, to be a reliable partner and to be a significant player in the market). Theoretical and methodological foundations of organizing and conducting internal diagnostics of the company’s activities were considered on the example of mining.

Annotation: The purpose of the article is to identify the main directions of improving economic security in the field of payment systems functioning in the Russian Federation. The article reveals the main directions that contribute to international cooperation and highly effective provision of foreign economic activity in order to ensure economic security and the development of electronic technologies. Important areas of increasing economic security include the following: improving international trade security, ensuring electronic payment systems security from various threats, providing conditions for the implementation of foreign trade policy, production, industrial and economic priorities of the country, forming a system of foreign trade security in the digital economy. The author carries out a brief statistical data analysis characterizing the development of electronic payment systems and Russian foreign trade policy as well as its integration into the world economy. Innovative economic trends in the development of international relations have been identified, which have high demand and can provide an increase in trade turnover between countries, as well as inefficient areas of development of payment systems. In general, the issue of the national payment system development remains open, which affects trade policy and Russian exports. It should be noted that the increase in foreign trade turnover is not accompanied by a similar increase in capital injections and investments into the Russian economy, but is characterized mainly by capital flight. The author also considers various problems related to the impact of the pandemic on the development of electronic payment systems and economic security in the new conditions of international relations. The article concludes that the improvement of business and trade activity of our economy is possible only with the use of electronic payment systems that will help to reach new economic horizons.

Annotation: The prospects for the next stage of scientific, technical and socio-economic development of the Russian Federation are considered. The conditions under which qualitatively new socio-economic relations may arise in Russia are described. The possibilities of positive changes in socio-economic relations in society as a result of the implementation of the strategy of socio-economic development of the Russian Federation for the period up to 2030 are assessed. On the basis of the TESP-analysis model, an assessment of the probable scenarios of the technological, economic, social and political development of the Russian Federation is given. Using a combination of R. Vensil – P. Lagrange’s models and the McKinsey matrix model, an assessment of strategic plans for the country’s socio-economic development and the expected results of their implementation is given, taking into account the development by the Government of the Russian Federation of a strategy for the socio-economic development of the country until 2030 pursuant to the Decree of the President of the Russian Federation “On national development goals of the Russian Federation for the period up to 2030”. Taking into account the assessments of possible scenarios for the development of the Russian Federation in the next decade, on the basis of a SWOT analysis, the prospects for the emergence of qualitatively new social relations in the process of moving Russia to a new stage of scientific, technical and socio-economic development are predicted.