ACTIVITIES OF THE ANTI-DRUG COMMISSIONS OF THE SUBJECTS OF THE RUSSIAN FEDERATION AS AN ELEMENT OF THE SYSTEM OF CONTROL OVER THE TURNOVER OF NARCOTIC DRUGS AND PSYCHOTROPIC SUBSTANCES IN THE RUSSIAN FEDERATION

Subject. Control over the turnover of narcotic drugs and psychotropic substances in the Russian Federation. Topic. Problematic aspects of control over the turnover of narcotic drugs and psychotropic substances in the subjects of the Russian Federation. Goals. Analysis of the management and control system in the sphere of trafficking in narcotic drugs and psychotropic substances in the Russian Federation. Methodology. The methodological basis is a complex, systematic, activity-based, situational, structural and functional methods. Results. The problematic aspects of control over the turnover of narcotic drugs and psychotropic substances in the subjects of the Russian Federation are identified and options for its further improvement are proposed. Scope of application. Improving the drug control system in the constituent entities of the Russian Federation. Conclusions. It is necessary to create a permanent scientific and methodological platform that generates comprehensive proposals for improving anti-drug legislation across the country, with an effective feedback mechanism with partners and direct contacts with the legislative bodies. Keywords: anti-drug commissions of the subjects of the Russian Federation, control over the turnover of narcotic drugs and psychotropic substances, anti-drug policy

INTERREGIONAL ANALYSIS OF THE STATE AND DYNAMICS OF MORTGAGE LENDING

Subject. Organizational and economic relations developing during the functioning of the housing market and mortgage lending. Topic. Interregional analysis of the state and dynamics of mortgage lending. Purpose. The purpose of the work is to develop directions for increasing the efficiency of mortgage lending as the most important tool for the development of the housing market. Methodology. The study was carried out using abstract-logical, comparative, economic and statistical approaches, a graphical technique for visualizing statistical and calculated data. Results. To analyze the state of mortgage lending at the regional level, the volume of issued mortgage loans in a territorial context was considered, the structure and dynamics of issued mortgage loans for individuals was studied, the debt on mortgage loans was revealed, the dynamics of the weighted average interest rate in each federal district was analyzed. The analytical review carried out in the study made it possible to draw conclusions about the state of development of mortgage lending in the regions, as well as to offer recommendations for its improvement. Application area. The results of the study, the main provisions, conclusions, recommendations are focused on widespread use by business entities in the process of assessing and analyzing their mortgage lending. Conclusions. The significance of this study is due to the need to identify the degree of development of mortgage lending, which is especially important at the regional level. The purchase of own housing, which will be available not only for certain categories of citizens, but also for the majority of the population of the Russian Federation, is ensured through the development of the mortgage lending market. This form of lending contributes to the satisfaction of not only the interests of the bank and citizens, but also allows to ensure financial flows to the development of the real sector of the economy. Keywords: mortgage, mortgage lending, credit organizations, banking sector, housing construction, debt, regional banking system.

ON THE DEVELOPMENT STRATEGY OF THE REGIONAL CONSUMER MARKET BASED ON THE PRINCIPLES OF LEAN MANUFACTURING

Subject. Overcoming the economic consequences of the COVID-19 pandemic for the consumer market based on the analysis of the state and use of the innovative potential of lean technology systems by international companies in the FMCG segment. Topic. Analysis of the state and use by international companies of the FMCG segment of the innovative potential of lean-technology systems in the organization of retail sales of consumer goods as one of the ways to overcome the economic consequences of the COVID-19 pandemic for the consumer market. Goals. Determination of the main strategic directions for the development of the regional consumer market based on the use of lean technologies. Methodology. System analysis of the international and Russian experience of the FMCG segment of the innovative potential of lean technology systems. Results. Strategic directions for the development of the regional consumer market and increasing the potential of retail chains based on lean-technologies of lean production have been developed. Scope of application. The consumer market at the meso-level. Conclusions. The development of the consumer market, including the Voronezh region, based on the principles of lean production is a factor in increasing retail turnover, increasing the profitability and competitiveness of regional retail chains. Keywords: region, consumer market, entrepreneurship, retail trade, lean manufacturing, product value, population

ROLE OF DIGITAL FINANCIAL SERVICES AND TECHNOLOGIES IN THE DEVELOPMENT OF MODERN ECONOMIC ARCHITECTURE

Subject. Organizational and economic relations arising in the process of digital transformation of the national financial system. Topic. Research of digital services and technologies in the development of the modern financial environment. Purpose. The purpose of the work is to identify trends in the development of the modern financial environment associated with the spread of digital services and technologies. Methodology. The study was carried out using dialectical, abstract-logical, comparative, economic and statistical approaches, graphical techniques for visualizing statistical and calculated data. Results. Active digitalization processes are changing the architecture of the entire economic space. New business models are spreading, mainly focused on the use of digital services and technologies in working with clients, as well as in ensuring operational processes. The financial environment in general and the banking industry in particular demonstrates a high susceptibility to the introduction of digital products and technologies. The development of information and telecommunication systems and their implementation in the activities of commercial banks leads to the active development of the practice of cashless payments, the proliferation of digital channels for personal finance management, the expansion of the range of digital products and services (contactless payments, digital cards, artificial intelligence, machine learning, biometric identification). Application area. The research results can be used in the development and implementation of sectoral and regional strategies for the digitalization of the economic space. Conclusions. The study shows that the activities of the largest domestic and foreign agents of the financial market are aimed at actively mastering the possibilities of digital technologies and their adaptation to the conditions of financial business. Digital transformations are catalysts for a new development trajectory not only for the banking business, but also for the economy as a whole. Keywords: innovation management, digitalization, digital services and technologies, digital banking.