mttpМеждународная торговля и торговая политикаInternational Trade and Trade Policy2410-73952414-4649ФГБОУ ВО "Российский экономический университет им. Г.В. Плеханова"10.21686/2410-7395-2018-3-31-50mttp-253Research ArticleМИРОВАЯ ЭКОНОМИКА И МЕЖДУНАРОДНЫЕ ЭКОНОМИЧЕСКИЕ ОТНОШЕНИЯWORLD ECONOMY AND INTERNATIONAL ECONOMIC RELATIONSФИНАНСОВЫЕ ИННОВАЦИИ И ЦИФРОВАЯ ТРАНСФОРМАЦИЯ БИЗНЕС – СРЕДЫFINANCIAL INNOVATION AND DIGITAL TRANSFORMATION OF THE BUSINESS ENVIRONMENTФилипповД. И.PhilippovD. I.

Филиппов Давид Ильич - кандидат экономических наук, доцент кафедры финансов и цен РЭУ им. Г.В. Плеханова.

117997, Москва, Стремянный пер., д. 36. 

David I. Philippov - PhD, Associate Professor of the Department of Finance and Price of the PRUE.

36 Stremyanny Lane, Moscow, 117997.

voldaisk@mail.ruРоссийский экономический университет имени Г.В. ПлехановаРоссияPlekhanov Russian University of Economics MoscowRussian Federation201823102018033150Copyright © Филиппов Д.И., 20182018Филиппов Д.И.Philippov D.I.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://mttp.rea.ru/jour/article/view/253

Финансовые инновации и цифровые технологии трансформируют образ жизни, работу, потребление, производство товаров и услуг. В условиях возрастающей конкуренции Интернет открывает возможности для улучшения бизнеса и получения выгод от снижения производственных издержек. Используя информационно-коммуникационные технологии, малые и средние предприятия (МСП) получают возможность выхода на глобальные рынки, которые когда-то были прерогативой только крупных корпораций. В таких условиях Интернет открывает возможности для улучшения маркетинга и получения выгод от снижения производственных издержек. Интернет может использоваться МСП в качестве безграничного и современного источника информации о рынках, особенно о ценах, тенденциях, продуктах и исследованиях, происходящих за рубежом. Цифровые платформы меняют экономику ведения бизнеса через границы, снижая стоимость международных взаимодействий и транзакций. Цифровая глобализация меняет цепочки создания стоимости, создает новые хабы, трансформирует экономическую активность. В этих условиях директивным органам необходимо найти правильный баланс между использованием преимуществ открытости и снижения рисков, которые в цифровом мире появляются с беспрецедентной скоростью. Какими будут возможности цифровой экономики в среднеи долгосрочной перспективе вопрос остается открытым, однако то, что они будут расширяться, сомневаться не приходится.

Financial innovation and digital technology are transforming the way of life, work, investment and production of goods and services. In an increasingly competitive environment, the Internet offers opportunities to improve business and benefit from lower production costs. Using information and communication technologies (ICT), small and medium-sized enterprises (SMEs) have access to global markets that were once the prerogative of large corporations only. In such circumstances, the Internet offers opportunities to improve marketing and benefit from lower production costs. The Internet can be used by SMEs as an unlimited and up-to-date source of information about markets, especially about prices, trends, products and research occurring abroad. Digital globalization is changing the value chain, creating new hubs, transforming economic activity. In this context, policymakers need to find the right balance between taking advantage of openness and reducing the risks that are emerging at an unprecedented rate in the digital world. The potential of the digital economy in the medium and long term period remains uncertain, but they undoubtedly will expand.

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The authors declare that there are no conflicts of interest present.