UDK 338.121 Фаза оживления конъюнктуры. Экономическая экспансия (расширение хозяйственной деятельности). Рост производства
The article considers the processes of globalization in conditions of high turbulence of business, developing today on the basis of digitalization and qualitatively new information exchange, which leads to a significant transformation of social relations. In the field of transformation of business architecture and management technologies, an understanding is formed that the competitive advantages of companies can be best realized through the joint use of common resources, competencies, network effects, and institutional conditions. This circumstance determines the need for economic and managerial research of new objects, which includes the "business ecosystem". The purpose of the study is to substantiate the directions of creating institutional conditions necessary for the establishment and functioning of ecosystems as a new organizational and economic form of doing business in the conditions of ensuring self-preservation of the natural ecosystem. The authors used an institutional approach to the subject of the study, based on the synthesis of economic and organizational theory, systems theory, innovation theory, and the concept of sustainable development. The main results are based on the generalization of historical stages of formation and comparative characteristics of functioning of different models of business ecosystems in banks, determination of value properties of complex banking products.
globalization, business ecosystem, complex banking products
1. Vasilev Y. N., Cherepovitsyn A. E. , Tsvetkova A. Y., Komendantova N. -. Promoting Public Awareness of Carbon Capture and Storage Technologies in the Russian Federation: A System of Educational Activities / Energies, № 14, 2021. pp. 1 – 14.
2. Ilinova, A., Romasheva, N., Cherepovitsyn, A. Cc(U)s initiatives: Public effects and “combined value” performance/ Resources, 2021, 10(6), 61. DOIhttps://doi.org/10.3390/resources10060061
3. Doklad o cifrovoy ekonomike. Sozdanie stoimosti i poluchenie vygod: posledstviya dlya razvivayuschihsya stran: YuNKTAD, 2019. [Elektronnyy resurs]. – URL: https://unctad.org/system/files/official-document/der2019_overview_ru.pdf (data obrascheniya na sayt: 15.08.2021)
4. Globalizaciya, nauka i socioprirodnye preobrazovaniya v usloviyah sovremennogo mira / In-t yurid. i polit. issled. Akad. nauk Moldovy, In-t filosofii Nac. akad. nauk Belarusi. – Kishineu: B. i., 2017 (F.E.-P. „Tipografia Centrală”). – 268 p.
5. Vahnin N.A. Chelovek, priroda, obschestvo: sinergeticheskoe izmerenie // Zapiski Gornogo instituta. 2016. T. 221. S. 761. DOI:https://doi.org/10.18454/PMI.2016.5.761
6. Novikov A. V., Upravlenie innovaciyami na osnove strukturirovaniya tehnologicheskogo znaniya / Components of Scientific and Technological Progress, № 6, T 84, 2023. S 97 - 110 .
7. Ulanov V.L., Skorobogat'ko O.N. Vliyanie transgranichnogo uglerodnogo regulirovaniya ES na ekonomicheskuyu effektivnost' rossiyskoy neftepererabotki // Zapiski Gornogo instituta. 2022. T. 257. S. 865-876. DOI:https://doi.org/10.31897/PMI.2022.83
8. Chzhan L., Syuy M., Chen' H., Li U i Chen' S. (2022) Globalizaciya, zelenaya ekonomika i ekologicheskie vyzovy: obzor sovremennogo sostoyaniya s tochki zreniya prakticheskih posledstviy. Front. Environ. Sci. 10:870271. doi:https://doi.org/10.3389/fenvs.2022.870271
9. Yurak V.V., Dushin A.V., Mochalova L.A. (2020) Protiv ustoychivogo razvitiya: scenarii buduschego. Zapiski Gornogo instituta. Tom 242. S. 242. https://doi.org/10.31897/pmi.2020.2.242
10. Overholm H. (2015). Collectively created opportunities in emerging ecosystems: The case of solar service ventures. Technovation, vol. 39, no. 1, pp. 14–25. DOI:https://doi.org/10.1016/j.technovation.2014.01.008;
11. Ritala P., Almpanopoulou A. (2017). In defense of ‘eco’ in innovation ecosystem. Technovation, vol. 60–61, pp. 39–42. DOI:https://doi.org/10.1016/j.technovation.2017.01.004.
12. Romanov V.P., Ahmadeev B.A. (2015). Modelirovanie innovacionnoy ekosistemy na osnove modeli «hischnik-zhertva» // Biznes-informatika. № 1 (31). S. 7–17.
13. Oh D.-S., Phillips F., Park S., Lee E. (2016). Innovation ecosystems: A critical examination. Technovation, vol. 54, no. 1, pp. 1–6. DOIhttps://doi.org/10.1016/j.technovation.2016.02.004.
14. Tsujimoto. M. A review of the ecosystem concept — towards coherent ecosystem design [Website] / Tsujimoto, Masaharu, Kajikawa, Yuya, Tomita, Junichi, Matsumoto, Yoichi // Technol. Forecast. Soc. Chang. – 2018. – No.136. – pp. 49–58. – URL: https://doi.org/10.1016/j.techfore.2017.06.032.
15. Colombo M.G., Dagnino G.B., Lehmann E.E., Salmador M.P. (2017). The governance of entrepreneurial ecosystems. Small Business Economics, vol. 52, pp. 419–428. DOI: https://doi.org/10.1007/s1118 7-017-9952-9.
16. Audretsch D.B., Cunningham J.A., Kuratko D.F., Lehmann E.E., Menter M. (2019). Entrepreneurial ecosystems: Economic, technological, and societal impacts. The Journal of Technology Transfer, vol. 44, pp. 313–325. DOI: https://doi.org/10.1007/s10961-018-9690-4.
17. Kapoor R. (2018) Ecosystems: broadening the locus of value creation // Journal of Organization Design. 7:12. DOI: https://doi.org/10.1186/s41469-018-0035-4.
18. Kuzovkova, T.A. Obosnovanie setevoy effektivnosti i sinergeticheskogo haraktera razvitiya infokommunikaciy v usloviyah cifrovoy ekonomiki [Tekst] / T.A. Kuzovkova, A.D. Kuzovkov, I.M. Sharavov // Ekonomika i kachestvo sistem svyazi. – 2019. – № 4(14). – S. 10-20.
19. Lee I., Shin Y.J. (2018). Fintech: Ecosystem, business models, investment decisions, and challenges. Business Horizons, vol. 61, no. 1, pp. 35–46. https://doi.org/10.1016/j.bushor.2017.09.003
20. Lapinskas A.A. Vliyanie gornoy renty na effektivnost' ispol'zovaniya prirodnogo potenciala: paradoks izobiliya i ego rossiyskaya specifika // Zapiski Gornogo instituta. 2023. T. 259. S. 79-94. DOI:https://doi.org/10.31897/PMI.2023.13
21. Marinina O. A., Belomestnova E. O. Ocenka aktivnosti neftegazovyh kompaniy v oblasti korporativnoy social'noy otvetstvennosti. //Penza: Mezhdunarodnaya nauchno-prakticheskaya konferenciya , T 1, 2018. pp. 223 - 226.
22. Tsvetkova A. -., Katysheva E. -. Ecological and economic efficiency evaluation of sustainable useof mineral raw materials in modern conditions. / //Albena: STEF 92 , T 53, 2017. pp. 259 - 266.
23. Marinina O. A., Ponomarenko T. V., Nevskaya M. A. The Analysis of Mining Companies’ Corporate Sustainability Assessment Methods (International and Russian Approaches). / //Ekaterinburg : Transformation of Corporate Governance Models under the New Economic Reality , T 89, 2020. S 100 - 100.
24. Adner R. (2017). Ecosystem as structure: An actionable construct for strategy. Journal of Management, vol. 43, no. 1, pp. 39–58. DOI:https://doi.org/10.1177/0149206316678451
25. Knyaginin V.N. (red.) (2017). Novaya tehnologicheskaya revolyuciya: vyzovy i vozmozhnosti dlya Rossii. Ekspertno-analiticheskiy doklad. M.: Centr strategicheskih razrabotok.
26. Russell M.G., Smorodinskaya N.V. (2018). Leveraging complexity for ecosystemic innovation. Technological Forecasting & Social Change, vol. 136, pp. 114–131. DOI: https://doi.org/10.1016/j.techfore.2017.11.024
27. Doroshenko S.V., Shelomencev A.G. (2017). Predprinimatel'skaya ekosistema v sovremennyh socioekonomicheskih issledovaniyah // Zhurnal ekonomicheskoy teorii. № 4. S. 212–221.
28. Solodilova N.Z., Malikov R.I., Grishin K.E. (2018). Metodicheskiy instrumentariy ocenki sostoyaniya regional'noy predprinimatel'skoy ekosistemy // Ekonomika regiona. T. 14, vyp. 4. S. 1256–1269. DOI:https://doi.org/10.17059/2018–4–16.
29. Kleyner G.B., Rybachuk M.A., Karpinskaya V.A. Razvitie ekosistem v finansovom sektore Rossii // Upravlenec. 2020. T. 11. № 4. S.2-3.
30. Vladyka, M. V. Cifrovaya ekonomika: novye vyzovy razvitiya [Tekst] / M. V. Vladyka, T. V. Goncharenko, A. M. Kulik // Ustoychivoe razvitie cifrovoy ekonomiki i klasternyh struktur: teoriya i praktika: monografiya / Sankt-Peterburgskiy politehnicheskiy universitet Petra Velikogo. – Sankt-Peterburg: Politeh-Press, 2020.
31. Doklad o razvitii cifrovoy ekonomiki v Rossii «Konkurenciya v cifrovuyu epohu: strategicheskie vyzovy dlya Rossiyskoy Federacii» Mezhdunarodnyy bank rekonstrukcii i razvitiya: [Elektronnyy resurs] – 2018. URL: https://www.vsemirnyjbank.org/ru/country/russia/ publication/ competing-in -digital-age (data obrascheniya na sayt: 15.08.2021)
32. Mamedov M.A., Mamedov T.F. Stanovlenie i razvitie cifrovyh ekosistem na baze tehnologicheskih i telekommunikacionnyh kompaniy v Rossii // Finansy i upravlenie. – 2022. – № 3. – S. 1 - 19. DOI:https://doi.org/10.25136/2409-7802.2022.3.38053.
33. Andryushin, S. A. Ekosistemnye banki: formy, riski i metody regulirovaniya / S. A. Andryushin, R. A. Grigor'ev // Terra Economicus. – 2021. – T. 19, № 4. – S. 51-65. – DOIhttps://doi.org/10.18522/2073-6606-2021-19-4-51-65.
34. Jacobides, M. G. Towards a theory of ecosystems / M. G. Jacobides, C. Cennamo, A. Gawer // Strategic management journal. – 2018. – T. 39. – №. 8. – S. 2255-2276. - https://doi.org/10.1002/smj.2904.
35. Charaeva, M. V. Specifika modeley formirovaniya otechestvennyh finansovyh ekosistem / M. V. Charaeva, A. A. Inalkaev // Finansovye issledovaniya. – 2021. – № 4(73). – S. 47-55.
36. Sokolinskaya, N. E. Traektoriya cifrovogo razvitiya: bankovskiy produkt, klassifikaciya i principy ego diversifikacii / N. E. Sokolinskaya, E. A. Zinov'eva // Finansovye rynki i banki. – 2021. – № 6. – S. 71-76.
37. Ekosistema Tin'koff: ot biletov v kino do oplaty alimentov [Elektronnyy resurs] // Setevoe izdanie Frank Media. – 31 oktyabrya 2019 g. - URL: https://frankrg.com/7716
38. Frolov, A. V. Bankovskie ekosistemy: vidy, funkcii, ih rol' v ekonomicheskoy sisteme strany /A. V. Frolov // Vestnik evraziyskoy nauki. — 2023. — T. 15. — № s1. — URL: https://esj.today/PDF/34FAVN123.pdf
39. Otkrytaya ekosistema VTB postradala iz-za sankciy, no menyat' model' bank ne budet [Elektronnyy resurs] // Setevoe izdanie Frank Media. – 10 noyabrya 2022 g. - URL: https://frankrg.com/101024
40. Porter, M. Konkurentnoe preimuschestvo: kak dostich' vysokogo rezul'tata i obespechit' ego ustoychivost' / M. Porter; perevod s angl. E. Kalinina. - Moskva: Al'pina Pablisher, 2020. – 942 s. - ISBN 978-5-9614-2958-9.
41. Rozenberg G.S. Biznes-ekosistemy: chto stoit za slovami i kuda eto vedet? // Mezhdisciplinarnyy nauchnyy i prikladnoy zhurnal «Biosfera» 2020, t. 12, No 4, s. 161–167. DOI:https://doi.org/10.24855/biosfera.v12i4.565.
42. Leonov M.V. Metodologiya formirovaniya kompleksnogo produkta bankovskoy ekosistemy// Zhurnal prikladnyh issledovaniy. – 2022. – T. 1. – № 10. – S. 33-38.
43. How banks are using ecosystems to drive growth and profits [Elektronnyy resurs] // Ernst & Young Parthenon: sayt. - 22 sentyabrya 2020 g. - URL: https://www.ey.com/en_us/banking-capital-markets/how-banks-are-using-ecosystems-todrive-growth-and-profits
44. Servis «Kupi seychas, plati potom» v Rossii i v mire [Elektronnyy resurs]. - Retail.ru: sayt. - 23 fevralya 2022 g. - URL: https://www.retail.ru/articles/servis-kupiseychas-plati-potom-v-rossii-i-v-mire/