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<article xmlns="https://jats.nlm.nih.gov/publishing/1.1/" xmlns:xlink="http://www.w3.org/1999/xlink" xml:lang="ru" xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" dtd-version="1.1" specific-use="eps-0.1"><front><journal-meta><journal-id journal-id-type="publisher">SciNotesIBI</journal-id><journal-id journal-id-type="ojs">SciNotesIBI</journal-id><journal-title-group><journal-title xml:lang="ru">Ученые записки Международного банковского института</journal-title><trans-title-group xml:lang="en"><trans-title>Proceedings of the International Banking Institute</trans-title></trans-title-group><abbrev-journal-title xml:lang="en">Proceedings of the International Banking Institute</abbrev-journal-title><abbrev-journal-title xml:lang="ru">Ученые записки Международного банковского института</abbrev-journal-title></journal-title-group><contrib-group/><publisher><publisher-name>Международный банковский институт</publisher-name><publisher-loc><country>RU</country><uri>https://www.ibispb.ru/</uri></publisher-loc></publisher><issn pub-type="ppub">2413-3345</issn><self-uri xlink:href="https://journal.ibispb.ru/index.php/SciNotesIBI"/></journal-meta><article-meta><article-id pub-id-type="publisher-id">184</article-id><article-id pub-id-type="EDN">XWWQCX</article-id><article-categories><subj-group subj-group-type="heading" xml:lang="ru"><subject>Статьи</subject></subj-group></article-categories><title-group><article-title xml:lang="ru"><bold>Управление финансовыми рисками в строительных организациях </bold><bold>МАЛОГО И СРЕДНЕГО ПРЕДПРИНИМАТЕЛЬСТВА:</bold><bold> инструменты и модели контроля</bold></article-title><trans-title-group xml:lang="en"><trans-title><bold>FINANCIAL</bold><bold> RISK MANAGEMENT IN SMALL AND MEDIUM-SIZED BUSINESS CONSTRUCTION ORGANIZATIONS: CONTROL TOOLS AND MODELS</bold></trans-title></trans-title-group></title-group><contrib-group content-type="author"><contrib><name-alternatives><string-name specific-use="display">МЕЛЬНИК А.Г.</string-name><name name-style="western" specific-use="primary"><surname>МЕЛЬНИК</surname><given-names>Алексей Георгиевич</given-names></name></name-alternatives><bio xml:lang="en"><p><strong>postgraduate student</strong></p>
<p><a/>Autonomous non-profit organization of higher education «International Banking Institute named after Anatoly Sobchak», Saint Petersburg, Russia</p>
<p>Address: 191023, Saint Petersburg, Nevsky pr., 60</p></bio><bio xml:lang="ru"><p><strong>аспирант</strong></p>
<p><a/>Автономная некоммерческая организация высшего образования «Международный банковский институт имени Анатолия Собчака», Санкт-Петербург, Россия</p>
<p>Адрес: 191023, Санкт-Петербург, Невский пр., 60</p>
<p> </p></bio></contrib></contrib-group><pub-date date-type="collection"><year>2025</year></pub-date><pub-date date-type="pub" publication-format="epub"><day>30</day><month>09</month><year>2025</year></pub-date><issue seq="7">3 (53)</issue><issue-id>4</issue-id><fpage>110</fpage><lpage>121</lpage><pub-history><event event-type="received"><event-desc>Received: <date date-type="received" iso-8601-date="2026-04-08T08:14:19+00:00"><day>8</day><month>4</month><year>2026</year></date></event-desc></event></pub-history><permissions><copyright-statement>Copyright (c) 2025 Ученые записки Международного банковского института</copyright-statement><copyright-year>2025</copyright-year><copyright-holder>Ученые записки Международного банковского института</copyright-holder><license xlink:href="https://creativecommons.org/licenses/by-nc/4.0/"><license-p>&lt;a rel="license" href="https://creativecommons.org/licenses/by-nc/4.0/"&gt;&lt;img alt="Лицензия Creative Commons" src="//i.creativecommons.org/l/by-nc/4.0/88x31.png" /&gt;&lt;/a&gt;&lt;p&gt;Это произведение доступно по &lt;a rel="license" href="https://creativecommons.org/licenses/by-nc/4.0/"&gt;лицензии Creative Commons «Attribution-NonCommercial» («Атрибуция — Некоммерческое использование») 4.0 Всемирная&lt;/a&gt;.&lt;/p&gt;</license-p></license></permissions><self-uri xlink:href="https://journal.ibispb.ru/index.php/SciNotesIBI/article/download/184/185/644" content-type="application/pdf"/><self-uri xlink:href="https://journal.ibispb.ru/index.php/SciNotesIBI/article/view/184"/><abstract><p>Управление финансовыми рисками в строительных организациях малого и среднего предпринимательства (далее – МСП) приобретает особую актуальность в условиях высокой неопределенности внешней среды, нестабильности строительного рынка и значительной капиталоемкости проектов. Недостаточная автоматизация процессов учета, слабая интеграция между подразделениями и ограниченность ресурсов усиливают подверженность компаний финансовым угрозам.</p></abstract><trans-abstract xml:lang="en"><p>Financial risk management in small and medium-sized construction enterprises (hereinafter referred to as SMEs) is gaining increasing relevance amid heightened environmental uncertainty, instability in the construction market, and the capital-intensive nature of projects. Insufficient automation of accounting processes, weak integration between departments, and limited resources exacerbate companies’ exposure to financial threats.</p></trans-abstract><trans-abstract xml:lang="en&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: justify; text-indent: 35.45pt; line-height: 130%;&quot;&gt;&lt;span lang=&quot;EN-US&quot; style=&quot;font-size: 12.0pt; line-height: 130%; mso-ansi-language: EN-US;&quot;&gt;Financial risk management in small and medium-sized construction enterprises &lt;/span&gt;&lt;span lang=&quot;EN&quot; style=&quot;font-size: 12.0pt; line-height: 130%; mso-ansi-language: EN;&quot;&gt;(hereinafter referred to as SMEs)&lt;/span&gt;&lt;strong style=&quot;mso-bidi-font-weight: normal;&quot;&gt;&lt;span lang=&quot;EN&quot; style=&quot;font-size: 12.0pt; line-height: 130%; letter-spacing: -.15pt; mso-ansi-language: EN-US;&quot;&gt; &lt;/span&gt;&lt;/strong&gt;&lt;span lang=&quot;EN-US&quot; style=&quot;font-size: 12.0pt; line-height: 130%; mso-ansi-language: EN-US;&quot;&gt;is gaining increasing relevance amid heightened environmental uncertainty, instability in the construction market, and the capital-intensive nature of projects. Insufficient automation of accounting processes, weak integration between departments, and limited resources exacerbate companies’ exposure to financial threats.&lt;/span&gt;&lt;/p&gt;"/><kwd-group xml:lang="ru"><title>Ключевые слова</title><kwd>финансовые риски</kwd><kwd>строительные организации</kwd><kwd>МСП</kwd><kwd>система финансового контроля</kwd><kwd>моделирование бизнес-процессов</kwd><kwd>цифровизация</kwd></kwd-group><kwd-group xml:lang="en"><title>Keywords</title><kwd>financial risks</kwd><kwd>construction companies</kwd><kwd>small and medium-sized enterprises (SME</kwd><kwd>financial control system</kwd><kwd>business process modeling</kwd><kwd>digitalization</kwd></kwd-group><funding-group><award-group><funding-source xml:lang="en">This research received no external funding</funding-source></award-group><award-group><funding-source xml:lang="ru">Настоящее исследование не получило внешнего финансирования</funding-source></award-group></funding-group><counts><page-count count="12"/></counts><custom-meta-group><custom-meta><meta-name>issue-cover</meta-name><meta-value><inline-graphic xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="https://journal.ibispb.ru/public/journals/1/cover_issue_4_ru.jpg"/></meta-value></custom-meta></custom-meta-group><custom-meta-group><custom-meta><meta-name>production-ready-file-url</meta-name><meta-value><ext-link ext-link-type="uri" xlink:href="https://journal.ibispb.ru/index.php/SciNotesIBI/jatsTemplate/download?submissionFileId=645&amp;fileId=367&amp;submissionId=184&amp;stageId=5"/></meta-value></custom-meta></custom-meta-group></article-meta></front><body/><back><ref-list><ref id="R1"><mixed-citation xml:lang="ru_RU">Пугачева М.А., Леонова О.С., Свечников К.Л., Миннигулов Д.Р. 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