The article describes the essence of the innovation potential of the enterprise, identifies its main components. For the evaluation and selection of directions for the development of innovation potential, it is proposed to use the method of informal (expert) system analysis. The technique of forming a group of analytical experts is presented and the application of their assessments to select directions for the development of innovative potential is shown. The technique of in-depth predictive F-SWOT analysis is presented. The example shows approbation of the developed methodological approach to the development of the innovative potential ofan enterprise.

In article problems and questions on implementation of the National project «Small and Average Business and Support ofan Individual Enterprise Initiative», financial aspects of implementation of the project till 2024 due to providing the provided privileges and increase in reliability and stability of functioning of a banking system of the country are considered. Factors of ensuring acceleration of growth of national economy, the realization of achievements of the fourth industrial revolution, social protection of the population, increase in number occupied in the sphere of small and average business are analyzed, including also individual entrepreneurs to 25 million people following the results of2024.

Diversified economy of Tunisia of the beginning of the XXI century can be one of the most successful examples of operation of the government in North African countries, but before the events of 2011 it faced a lot of such problems as slow economic growth, high rate of inflation, unemployment and expansion of the sector of shadow economy. It must be noted that since the 1960s the economy of the country was directed to the strengthening of export items of income and the growth of foreign investments and revenues from tourism. The main exports included goods of light and food industry, oil products, chemicals and phosphate. About 80% of export accounted for European Union countries. This export-oriented policy of the country together with investment programmes to support the education had its positive effect: growth of GDP by 4-5% a year, increase in the standard of living and quality of life. Despite the fact that ex-president of the country Zine El Abidine Ben Ali continued this policy, his reign was marked by the growth of corruption among the public officials, the increase in unemployment among university graduates. His toppling in 2011 in the result of the coup d’etat undermined the economy of Tunisia, in the part of the reduction of foreign investments and revenues from tourism. Currently the country government in conjunction with the Central Bank of Tunisia are taking a number of actions in the social and economic, and financial areas. The looming liquidity crisis, the unemployment level incessant after the events of 2011, terrorist attacks aimed at the tourist sector, workers’ strikes in the phosphate sector, delayed GDP growth in the period of2015-2017 by nearly 15% which is a negative trend in the post-revolutionary development of the country.

The article discusses issues related to the implementation of innovative and information technologies in the process of functioning of banking institutions. The analysis of the main directions of the use of modern technologies is outlined, their advantages and main problems arising from the application of innovations in the processes of providing banking services and operations are revealed. Based on the study, the main areas of use of the results of intellectual activity in the banking sector were identified. The directions of introduction of innovative financial technologies in the process of providing banking services are indicated, which will allow banks to overcome competition with other participants of the financial market and increase their efficiency, as well as accelerate Russia’s transition to the digital economy.

The article deals with the application ofprofessional standards on the example of qualifications of insurance market specialists, as well as their interface on the basis of the interstate register of qualifications, monitoring of the labor market, approval of qualification requirements.

On the one hand, investment is a way to increase the available capital, but on the other it is also an opportunity to attract borrowed funds to the needy sectors of the economy. This opportunity is actively used by developed countries, which in exchange for investment in addition to income, can also offer the investor the right to live in their country. The author considers what conditions are put forward by developed countries to investors.

This paper is dedicated to development of models and numerical methods for evaluating investment projects of Russian companies using the real options model. In the current economic conditions, it is highly necessary to properly reflect the flexibility of the company’s in adapting management decisions in response to changing market conditions. In this regard, the traditional models of investment analysis can be supplemented, and in some cases replaced by alternative approaches, for example, by estimating the present value of a call (put) option using the Black-Scholes-Merton formula. The above given statement determines the relevance of the study. The paper presents theoretical and practical aspects of the use of traditional and optional approaches to the evaluation of investment projects. It also presents practical calculations for investment project related to implementation of automated information system for compiling consolidated statements for a group of companies whose assessments need to take into account a real option to abandon the project.

Conscious, purposeful activity to create a complex of life benefits is carried out within theframework ofthe economic system andproduction. The study ofworking conditions is one of its most important elements.

The possibility of using innovation as a tool for financial recovery of machine-building enterprises was considered. A system of strategies for the transfer of technologies within the machine-building educational and production clusters was proposed. A model of end-to-end innovation management in the educational and industrial cluster was presented.

The paper examines the interpretation of individualism-collectivism as the key culture dimensions, which have the most significant impact on the economy. The author explains the view, according to which individualism and collectivism are not monosemantic categories. They represent a form ofchanging content, and reflect the fundamental differences in the nature ofhuman behavior. The latter are connected with the inclinationfor opportunism and deviation of moral norms.

The article discusses the methodological features of analyzing and assessing economic security depending on the degree of influence of state financial regulation in the health sector, including principles, methods for analyzing the effectiveness ofthe mechanism for financial support of medical organizations and the algorithm for evaluating safety under the influence of the factor of preserving public health and using modern tools. The influence of such factors as human potential and the «health of the nation» is considered as a counterbalance to global challenges in the new conditions.

Today, the digital economy determines that market leaders determine not a long-term success story, not the value of real estate and assets, not the number of patents or access to capital, but the ability to change and adapt their business to new conditions.

The article reflects some methodological and practical aspects of the study of the possibilities offinancial modeling. The simplest financial model is based on the example of a mining company. The pros and cons ofthe use ofmodelingforforecasting the development of the organization are shown.

The article reviewed suitability of a balanced scorecard for development of effective small business management strategy based on empirical research of foreign companies, also the author made hypotheses on suitability of this method, which will be later confirmed or confuted by author’s own empirical researches among small companies of service industry.

The article deals with topical issues of recruitment of large and medium-sized companies, as well as issues related to the process of adaptation of personnel in the new environment. In this article, the authors will try to consider modern methods of recruitment and selection of personnel.

The article discusses the main aspects of the development of the national innovation environment from the point of view of a systems approach; the basic conditions of creation, the methods and factors of its formation; methods of stimulating innovation activity of various elements ofthe innovation system; presents the main models ofthe innovation environment; justified the choice of the current innovation model of development of the domestic economy. In conclusion, the main problems of the development of the national innovation system are identified and it is noted that the innovation environment is a determining condition for the innovative development ofthe region and the country.

Considered aspects of the formation of regional tax policy. Identified and grouped by signs are factors that influence the formation of regional tax policy. On the example of the Belgorod region, a set of taxes is considered, for which the legislative bodies of the subjects of the Russian Federation have the right to establish certain elements of taxes, and factors that are taken into account when shaping the tax policy of the region are given. The structure of tax revenues in the regional budget revenues is analyzed.

The persistence ofthe negative effects of structural shift in Russian economy is manifested in its de-industrialization, reduction of global competitiveness and the threat of technological identity loss. The initiation of a positive structural shift requires the formation of an economic structural policy, the core of which will be a change in the reproductive proportions during the development ofthe innovation-and-investment interrelations between government and business. The authors analyze approaches to the formation of economic policies aimed at ensuring a positive structural shift, impeding its implementation in Russian economy, and suggest its main conceptual provisions.

The article is devoted to the retrospective analysis of the largest oil spill consequences. Special attention is drawn to the consequences of the accident in the Gulf of Mexico in 2010 on the oil platform «Deepwater Horizon». The actions of the US government in dealing with the oil spill risks are analyzed.

The stages of crisis management of a machine-building enterprise with the active participation of the service of crisis management are considered. The functions of the crisis management service with the help of innovations are defined. Formulated proposals for changes in legislation regulating legal relations in case of bankruptcy of enterprises, taking into account the powers submitted to the service for crisis management.

The author analyzes and assesses the bankruptcy of small and medium business in Russia in 2015-2018. Presents the self-employed in foreign countries and the Russian Federation. The main parameters and provisions ofthe law on self-employed in Russia are shown, its importance for the development of small and medium-sized enterprises in the near future is determined.