Headings of the journal
"Economics and Management"

Annotation: The article discusses the methodological basis for assessing the level of competition in the banking services market. Along with a variety of coefficients and indices, most of the methods used often do not take into account subjective factors, such as public satisfaction with the banking sector. The article proposes an original methodol- ogy that combines objective (quantitative) market indicators with subjective assessments of public satisfaction. The assessment of all factors in points allows us to form a combined assessment of competition in the regional market and determine the market category based on the level of competition development. The methodology has been tested in several regions, resulting in a clear and interpretable assessment. Of the seven regions, four were in the zone of underdeveloped competition, one was in the zone of insufficiently developed competition, and two were on the border between insufficiently developed and developed competition The results obtained can serve as a basis for developing a set of measures to promote competition in the banking services market in the relevant market category or for adjusting it in the roadmap.

Annotation: The article is devoted to the study of the innovative potential of trilateral interaction between government authori- ties, business and non-profit organizations in the regional economy. The subject of the study is the innovative potential of this interaction, including mechanisms, methods and tools for its formation, evaluation and imple- mentation to achieve socio-economic effects. The relevance of the study is determined by the increasing social obligations of the regions, limited budgetary resources and insufficient stability of the traditional mechanisms of support for the non-profit sector. The methods of theoretical analysis, systematization and modeling are used in the work. The author argues that trilateral interaction is an independent organizational and economic model that allows social tasks to be translated into a format of reproducible economic activity. A structural model of potential realization has been developed, including target, resource, organizational, financial, performance and evaluation blocks. The principle of estimating the cumulative effect is proposed as the sum of budgetary, manage- rial, commercial effects, income growth of non-profit organizations and socio-economic effect for the population. The model allows each participant to obtain measurable benefits: for the state to reduce the burden on the budget, for businesses to ensure a return on investment, and for non-profit organizations to form a stable income base.

Annotation: The article examines the potential of tokenizing equity rights in privately held companies as a tool to narrow the gap between current stock market capitalization and the 2030 target benchmark. The problem stems from the high concen- tration of capitalization and limited availability of public offerings for mid-segment companies, which constrain the expansion of issuers and the range of instruments on sale. The methodology includes analysis of capitalization dynamics for 2020–2025, comparative analysis of legal regimes for tokenization of securities and Russian regulation of digital financial assets, construction of a causal model and scenario assessment. Tokenization has been found to affect capitali- zation through lower transaction costs, increased secondary liquidity, greater transparency of corporate rights, and an expanded issuer base. The scenarios show a possible contribution of 3–8 percentage points of gross domestic product by 2030 if a regulated secondary market is formed. The conditions for implementation of the effect have been defined: legal certainty of corporate actions, reliable accounting and treasury infrastructure and proportional protection of investors.

Annotation: The article is devoted to the study of the methodological formation of approaches to assessing the effectiveness of the contract system in the field of procurement to meet state and municipal needs. The study’s relevance stems from the ongoing need to improve public procurement processes. This is supported by the positive trend in pro- curement volumes from 2021 to 2025, the decline in relative savings at contract award, and recent amendments to the relevant regulatory framework. The article discusses the key principles underlying the evaluation of the effectiveness of the contract system, as well as the criteria and indicators used for evaluation. The authors ana- lyzed existing approaches to defining and measuring effectiveness, systematized key criteria and indicators used in Russian and international practice, and identified problems and limitations of existing methods. Particular attention is paid to the degree of development, orderliness and scientific validity of the set of methods, principles and approaches used for assessment. An algorithm for assessing the methodological maturity of the approach is proposed, which provides for the consistent implementation of five interrelated stages aimed at identifying the completeness, balance and practical applicability of the criteria for the effectiveness of the contract system in modern conditions.

Annotation: The article examines an approach to strengthening the financial resilience of commercial healthcare organizations, enabling a transition from a model of operational stability to a model of strategic adaptability and growth. The theoretical section systematizes external and internal factors of financial resilience, focusing on industry-specific factors: a high proportion of fixed costs, a long financial cycle with insurance companies, mandatory costs for integration with the Unified State Health Information System (EGISZ), and cybersecurity. A three-component structure of adaptive potential is substantiated: positional resilience (liquidity and autonomy), operational sta- bility (profitability), and developmental stability (investment capacity). Using an existing medical organization as an example, a comprehensive diagnostic was conducted, including an analysis of competitive positioning, calculation of financial resilience, liquidity, and profitability ratios, cash flow assessment, and a SWOT analysis. A paradox of “stagnant stability” has been identified: despite formally absolute indicators of financial resilience and revenue growth, the medical organization exhibits critically low profitability, deteriorating material and technical resources, and an inability to self-finance development. In conclusion, a strategy for overcoming the identified dysfunctions is proposed, comprising three interrelated stages: financial stabilization; improving op- erational efficiency through the digitalization of processes; and strategic diversification through the development of medical transportation and telemedicine services, creating a closed-loop service ecosystem. Implementation of the proposed measures will significantly increase profitability and ensure the competitive development of the organization.