Development of long-term financing of innovative small companies

The subject of the research is financial relations in the process of financing innovative small companies. The purpose of the work is an analytical assessment of the conditions for long-term financing of innovative small companies using systematic, economic and statistical analysis, which ensures the integrity and comprehensiveness of the study. Increasing the role of innovative small companies in the process of digital transformations is an urgent task in modern transformations of society. The analysis revealed the problems of long-term financing of innovative small companies, since most of the methods are focused on short-term financing of such companies. The conditions of investment opportunities for innovative companies are considered in detail on specific examples. The article notes that the conditions for effective management of long-term investments depend on the various stages of development of innovative companies. The practical purpose and scientific value of the article lies in the construction of a holistic and logical representation of the use of various methods of financing high-tech companies. It is concluded that it is necessary to provide institutional financial support for innovative development and an integrated approach to long-term financing of innovative small companies

Growth of financing opportunities for small and medium-sized businesses in the digitalization of the economy context

The subject of the study is the methods of financing small and medium-sized businesses based on the use of investment platforms. The purpose of the article is to study the mechanisms for investing in small and medium-sized businesses in the digital economy based on a systematic approach. The article reveals the problems of lending to small and medium-sized businesses that hinder business development in modern conditions. Emphasis is placed on the mechanism of using investment platforms. The role of using crowdfunding technology is revealed. It is an affordable way to finance the activities of companies that do not have a credit history and collateral for obtaining a loan from banks. The stages of the investment process based on the use of the investment platform are outlined. The advantages and disadvantages of investment platforms for financing small and medium-sized businesses have been identified. A detailed analysis of the most common investment platforms in Russia has been carried out. It is emphasized that the study of positive and negative aspects in the system of crowdfunding relations should have a favorable impact on this direction of financing and provide investment platforms with a significant influx of investors

Identification of the risks of consumer credit cooperatives

Various types of classification of risks of credit consumer cooperatives have been considered. The author’s approach to the classification of cooperative risks based on the account of losses associated with risk situations has been adduced. It has been proposed to carry out a quantitative risk assessment, which is demonstrated by the example of the assessment of various types of savings risk. Directions of reduction of risks of losses of credit consumer cooperatives have been designated. The necessity of identification of risks of credit consumer cooperatives for substantiation of strategy and tactics of cooperative development has been emphasized

STRATEGY OF PROVIDING FINANCING OF ORGANIZATIONS OF SMALL BUSINESS

Modern sources of financing for small business organizations are necessary for the development and growth of growth rates. The financing strategy is aimed at finding new types of financing: venture financing; Securitization of the loan portfolio of small business; Project financing; Crowdfunding; Microfinance. Terms of application of convenient and accessible sources of financial resources for small organizations are determined