managementranepaУправленческое консультированиеAdministrative Consulting1726-11391816-8590Russian Presidential Academy of National Economy and Public Administration. North-West Institute of Management.10.22394/1726-1139-2019-2-96-103managementranepa-1043Research ArticleA LINEAA LINEAОбзор и систематизация теоретических подходов к процессам формирования и развития финансовых инновацийReview and Systemizing of Financial Innovation Theoretical Approaches: Forming and Development ProcessХабековаМ. K.KhabekovaM. K.

Хабекова Мадина Крымовна, ассистент кафедры финансовой стратегии

Москва

Madina K. Khabekova, Assistant of the Department of Financial Strategy of Moscow School of Economics

Moscow

m.khabekova@gmail.comМосковский государственный университет им. М. В. ЛомоносоваLomonosov Moscow State University2019080420190296103Copyright © Хабекова М.K., 20192019Хабекова М.K.Khabekova M.K.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://www.acjournal.ru/jour/article/view/1043

За последние десятилетия мировая финансовая система претерпела ряд серьезных изменений. Процесс цифровизации оказал большое влияние на финансовую отрасль, одной из главных особенностей которой на сегодняшний день является активное внедрение инноваций. Финансовые инновации представляют собой инструмент для улучшения качества развития финансовой системы в условиях мировой конкуренции и глобализации. Однако в научной среде, по мнению автора, до сих пор не уделяется достаточного внимания эмпирическим доказательствам влияния новых финансовых инструментов на развитие экономики. Статья включает в себя обзор и систематизацию теоретических подходов к понятию и развитию термина «финансовые инновации», концепцию финансовых инноваций и оценку их влияния на развитие финансовой системы и экономики в целом. В работе представлены определения и классификация финансовых инноваций, также рассмотрены дискуссионные вопросы о характеристиках и особенностях финансовых инноваций.

Over the past decades the global fnancial system has undergone a number of major changes. The digitalization process has a major impact on the fnancial industry. One of the main features of this industry today is active innovation process. Financial innovations are a tool for improving the quality of fnancial system development in the context of global competition and globalization. However, the scientifc community still does not pay enough attention to empirical evidence of the impact of new fnancial instruments on the economy development. The article includes a review and systematization of theoretical approaches to the development of the term “fnancial innovations”, the concept of fnancial innovations and an assessment of their impact on the development of the fnancial system and the economy generally. The paper presents the defnitions and classifcation of fnancial innovations by scientists and researchers in this industry. Also discussed are argumentative issues about the characteristics and features of fnancial innovations.

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The authors declare that there are no conflicts of interest present.