economypromЭкономика промышленности / Russian Journal of Industrial EconomicsRussian Journal of Industrial Economics2072-16332413-662XMISIS10.17073/2072-1633-2026-1-1515economyprom-1515Research ArticleФинансовый менеджментFinancial managementВоздействие инновационных финансовых технологий на устойчивые темпы роста компаний малого и среднего бизнесаThe impact of innovative financial technologies on sustainable growth rates of small and medium-sized enterpriseshttps://orcid.org/0000-0001-9247-9271МорозкоН. И.MorozkoN. I.

Наталья Иосифовна Морозко – д-р экон. наук, профессор, кафедра финансового и инвестиционного менеджмента

125167, Москва, Ленинградский просп., д. 49/2

Natalia I. Morozko – Dr.Sci (Econ.), Professor, Department of Financial and Investment Management

49/2 Leningradsky Ave., Moscow 125167

natmorozko@mail.ruhttps://orcid.org/0000-0002-4116-826XДиденкоВ. Ю.DidenkoV. Yu.

Валентина Юрьевна Диденко – д-р экон. наук, доцент, кафедра банковского дела и монетарного регулирования

125167, Москва, Ленинградский просп., д. 49/2

Valentina Yu. Didenko – Dr.Sci (Econ.), Associate Professor, Department of Financial and Investment Management

49/2 Leningradsky Ave., Moscow 125167

didenkovu@gmail.comФинансовый университет при Правительстве Российской ФедерацииРоссияFinancial University under the Government of the Russian FederationRussian Federation2026270320261918495Copyright © Морозко Н.И., Диденко В.Ю., 20262026Морозко Н.И., Диденко В.Ю.Morozko N.I., Didenko V.Y.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://ecoprom.misis.ru/jour/article/view/1515

Актуальность настоящей статьи обусловлена тем, что в последнее время со­временные финансовые технологии содействуют компаниям малого и среднего бизнеса (МСБ) в решении многих проблем, связанных как с финансированием, так и с организа­цией бизнеса. Позитивное решение этих проблем позволит малому бизнесу повысить темпы роста и соответственно увеличить вклад в валовый внутренний продукт стра­ны. Особенность функционирования малого бизнеса предопределяется совокупностью макроэкономических детерминант: динамикой экономического роста и кризисных явлений, политикой государственного регулирования, доступностью источников фи­нансирования. В связи с этим необходимо проанализировать механизмы адаптации бизнес-сектора в соответствии с современными финансовыми технологиями. В настоя­щей работе проведена оценка степени влияния использования краудлендинга, платеж­ных систем, цифровых финансовых активов, искусственного интеллекта и мобильных банков на развитие компаний. Предмет исследования – влияние инновационных фи­нансовых технологий на устойчивые темпы роста МСБ. Цель работы – определение при­чинно-следственных связей влияния факторов финансовых технологий на темпы роста компаний МСБ. Проведен анализ применимости инновационных финансовых техноло­гий в бизнесе. Выявлены ключевые финансовые технологии, влияющие на финансовое состояние. Сформирована экономико-математическая модель степени влияния финан­совых технологий на устойчивые темпы роста малых компаний. Сделан вывод, что раз­работки, представленные в статье, могут использоваться компаниями малого бизнеса для выработки стратегии управления факторами роста при использовании инноваци­онных финансовых технологий.

The relevance of this article is due to the fact that recently modern financial tech­nologies have been assisting small businesses in solving many problems related to both fi­nancing and organizing a business. A positive solution to these problems will allow small businesses to increase their growth rates and, accordingly, increase their contribution to the country's GDP. The peculiarity of small business functioning is determined by a set of macro-economic determinants: the dynamics of economic growth and crisis phenomena, govern­ment regulation policies, availability of financing sources, in this regard, it is necessary to analyze the mechanisms of adaptation of the business sector in accordance with modern fi­nancial technologies. This paper considers the relevance of the problem and assesses the degree of influence of crowdlending, payment systems, digital financial assets, artificial intel­ligence, mobile banks on the development of companies. The subject of the study is the im­pact of innovative financial technologies on the sustainable growth rates of small companies. The purpose of the work is to determine the cause-and-effect relationships of the influence of financial technology factors on the growth rates of small companies. An analysis of the applicability of innovative financial technologies in small businesses was carried out; key financial technologies affecting the financial condition of a small company were identified. An economic and mathematical model of the degree of influence of financial technologies on sustainable growth rates of small companies has been formed. It has been concluded that the developments presented in the article can be used by small businesses to develop a strategy for managing growth factors when using innovative financial technologies.

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