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<article article-type="research-article" dtd-version="1.3" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xml:lang="ru"><front><journal-meta><journal-id journal-id-type="publisher-id">business</journal-id><journal-title-group><journal-title xml:lang="ru">Путеводитель предпринимателя</journal-title><trans-title-group xml:lang="en"><trans-title>Entrepreneur’s Guide</trans-title></trans-title-group></journal-title-group><issn pub-type="ppub">2073-9885</issn><issn pub-type="epub">2687-136X</issn><publisher><publisher-name>JSC “Publishing Agency “Science and Education”</publisher-name></publisher></journal-meta><article-meta><article-id pub-id-type="doi">10.24182/2073-9885-2022-15-1-18-33</article-id><article-id custom-type="elpub" pub-id-type="custom">business-1599</article-id><article-categories><subj-group subj-group-type="heading"><subject>Research Article</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="ru"><subject>ФИНАНСОВО-КРЕДИТНЫЕ ИНСТРУМЕНТЫ ПОВЫШЕНИЯ КАЧЕСТВА ЭКОНОМИЧЕСКОГО РОСТА</subject></subj-group><subj-group subj-group-type="section-heading" xml:lang="en"><subject>FINANCIAL AND CREDIT INSTRUMENTS OF  IMPROVEMENT THE QUALITY OF ECONOMIC GROWTH</subject></subj-group></article-categories><title-group><article-title>Развитие финансовой системы Саудовской Аравии как одно из ключевых направлений в экономике страны</article-title><trans-title-group xml:lang="en"><trans-title>The development of the financial system of Saudi Arabia as one of the key areas in the country’s economy</trans-title></trans-title-group></title-group><contrib-group><contrib contrib-type="author" corresp="yes"><name-alternatives><name name-style="eastern" xml:lang="ru"><surname>Бабенкова</surname><given-names>C. Ю.</given-names></name><name name-style="western" xml:lang="en"><surname>Babenkova</surname><given-names>S. Yu.</given-names></name></name-alternatives><bio xml:lang="ru"><p>Кандидат экономических наук, cтарший научный сотрудник</p><p>Москва</p></bio><bio xml:lang="en"><p>Cand. Sci. (Econ.), Senior scientific officer</p><p>Moscow</p></bio><email xlink:type="simple">sbabenkova@ivran.ru</email><xref ref-type="aff" rid="aff-1"/></contrib></contrib-group><aff-alternatives id="aff-1"><aff xml:lang="ru"><institution>Институт востоковедения РАН</institution><country>Россия</country></aff><aff xml:lang="en"><institution>Institute of Oriental Studies of the Russian Academy of Sciences</institution><country>Russian Federation</country></aff></aff-alternatives><pub-date pub-type="collection"><year>2022</year></pub-date><pub-date pub-type="epub"><day>04</day><month>03</month><year>2022</year></pub-date><volume>15</volume><issue>1</issue><fpage>18</fpage><lpage>33</lpage><permissions><copyright-statement>Copyright &amp;#x00A9; Бабенкова C.Ю., 2022</copyright-statement><copyright-year>2022</copyright-year><copyright-holder xml:lang="ru">Бабенкова C.Ю.</copyright-holder><copyright-holder xml:lang="en">Babenkova S.Y.</copyright-holder><license xml:lang="ru" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>Данная работа распространяется под лицензией Creative Commons Attribution 4.0.</license-p></license><license xml:lang="en" license-type="creative-commons-attribution" xlink:href="https://creativecommons.org/licenses/by/4.0/" xlink:type="simple"><license-p>This work is licensed under a Creative Commons Attribution 4.0 License.</license-p></license></permissions><self-uri xlink:href="https://www.pp-mag.ru/jour/article/view/1599">https://www.pp-mag.ru/jour/article/view/1599</self-uri><abstract><p>Наряду с большинством арабских стран Саудовская Аравия столкнулась с последствиями двух кризов, падением цен на нефть и короновируса. При том, что она является одним из лидеров по добычи нефти, ее бюджет претерпевал в течение многих лет различные изменения как в сторону увеличения, так и в сторону уменьшения государственных доходов и расходов. Однако, как известно, пандемия дала мощный толчок развитию цифровых технологий, в том числе, в финансовой области. Саудовская Аравия не стала исключением из правил. Несмотря на то, что Королевство принято считать достаточно закрытой страной, последовательная реализация концепции «Видения 2030» открыла, как для внутреннего рынка страны, так и для иностранных инвесторов, широкие пути для реализации финансового потенциала домохозяйств и их контрагентов.</p><p>Конечно, нефтяной сектор играет в стране первую и важнейшую роль, но целесообразно отметить, что финансовой сектор, который включает в себя и крупнейшие исламские институты, при условии дальнейшей модернизации и цифровизации в среднесрочной перспективе возможно не будет сильно уступать в объемах сектору углеводородов. Развитие диверсификации в части усиления роли ненефтянных секторов при устойчивой поддержки правительства страны показывают это.</p></abstract><trans-abstract xml:lang="en"><p>Along with most Arab countries, Saudi Arabia faced the consequences of two crises, falling oil prices and coronovirus. Being one of the leaders in oil production, its budget has undergone various changes over the years, both in the direction of increasing and decreasing government revenues and expenditures. However, as you know, the pandemic gave a powerful impetus to the development of digital technologies, including in the financial field. SaudiArabia is no exception to the rule. Despite the fact that the Kingdom is considered to be a fairly closed country, the consistent implementation of the Vision 2030 concept has opened up wide ways for both the domestic market of the country and foreign investors to realize the financial potential of households and their counterparties.Of course, the oil sector plays the first and most important role in the country, but it is worth noting that the financial sector, which includes the largest Islamic institutions, subject to further modernization and digitalization, in the medium term may not be much inferior in volume to the hydrocarbon sector. The development of diversification in terms of strengthening the role of non–oil sectors with the stable support of the government of the country shows this.</p></trans-abstract><kwd-group xml:lang="ru"><kwd>Королевство Саудовская Аравия</kwd><kwd>финансовый сектор</kwd><kwd>экономика</kwd><kwd>банковский сектор</kwd><kwd>исламские банки</kwd><kwd>развитие экономики</kwd><kwd>нефтяной сектор</kwd><kwd>ненефтяной сектор</kwd><kwd>инновационные технологии</kwd></kwd-group><kwd-group xml:lang="en"><kwd>Kingdom of Saudi Arabia</kwd><kwd>financial sector</kwd><kwd>economy</kwd><kwd>banking sector</kwd><kwd>Islamic banks</kwd><kwd>economic development</kwd><kwd>oil sector</kwd><kwd>non–oil sector</kwd><kwd>innovative technologies</kwd></kwd-group></article-meta></front><back><ref-list><title>References</title><ref id="cit1"><label>1</label><citation-alternatives><mixed-citation xml:lang="ru">Development and restructuring of the Saudi banking system [Электронный ресурс] – Saudi Arabian Monetary Agency – Режим доступа: https://www.bis.org/publ/plcy06g.pdf, свободный – Загл. с экрана. – Яз. англ.</mixed-citation><mixed-citation xml:lang="en">Development and restructuring of the Saudi banking system [Elektronnyj resurs] – Saudi Arabian Monetary Agency – Rezhim dostupa: https://www.bis.org/publ/plcy06g.pdf, svobodnyj – Zagl. s ekrana. – YAz. angl.</mixed-citation></citation-alternatives></ref><ref id="cit2"><label>2</label><citation-alternatives><mixed-citation xml:lang="ru">Role of Hajj in the introduction of Saudi banknotes [Электронный ресурс] – ARAB NEWS – 22 August 2018 – Режим доступа: https://www.arabnews.com/node/1360046/saudi-arabia, свободный – Загл. с экрана. – Яз. англ.</mixed-citation><mixed-citation xml:lang="en">Role of Hajj in the introduction of Saudi banknotes [Elektronnyj resurs] – ARAB NEWS – 22 August 2018 – Rezhim dostupa: https://www.arabnews.com/node/1360046/saudi-arabia, svobodnyj – Zagl. s ekrana. – YAz. angl.</mixed-citation></citation-alternatives></ref><ref id="cit3"><label>3</label><citation-alternatives><mixed-citation xml:lang="ru">Piotr Schulkes. 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