EDN: XWPUEX
Organizational and methodical bases of interaction of small enterprises and financial institutions for saving economic security
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JATS‑XML (OAI)The subject of the study is the fundamentals of the organizational and methodological mechanism of interaction of small enterprises and financial institutions on the example of com- mercial banks of the Russian Federation. The purpose of the work is to substantiate the proposed algorithm for choosing a bank as a reliable financial partner that ensures both sustainable devel- opment of the economy as a whole through increasing the efficiency of the activities of small and medium-sized enterprises and ensuring the economic security of the enterprise itself. This research was based on the following scientific methods, such as comparative analysis and syn- thesis, analogy, statistical methods. The method of comparative analysis and synthesis in the context of this article is based on a critical review of foreign and Russian scientific publications, practical recommendations of leading experts, strategic documents on the regulation for small business at the state level, and also is used to characterize sources of small business financing. Statistical methods are based on data from official sources available for public. The proposed organizational-methodical mechanism allows to reveal the degree of bank reliability even before the interaction begins, because is based on monitoring of actual information on the activities of the financial institution, assessing the reliability of the obtained information, comparing it with risk factors and making informed decisions. The presented sequence of actions described the mechanism on the example of small enterprises can be claimed by enterprises of different scales of both the real sector of the economy and other industries to assess the bank's reliability, justify the level of trust in it and, as a result, increase the degree of economic security of its financial and economic operations.
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