Abstract: This article is dedicated to the analysis of credit lines in the Russian economy from the perspective of their legal regulation. Credit lines represent one of the most common forms of lending in modern Russia, accounting for a significant share of credit operations. The article explores key legal aspects of credit lines, their regulatory framework, as well as the legal nature and structure of contractual relations between borrowers and creditors. Additionally, it addresses macroeconomic factors influencing credit relationships, such as interest rates and inflation, and their impact on credit lines. Special attention is paid to the analysis of Russian legislation, including the Civil Code of the Russian Federation and the Federal Law "On Consumer Credit (Loan)," which regulate various forms of lending. The research is based on a comprehensive methodological approach, incorporating legal norms, socio-legal aspects, and economic consequences of using credit lines. The author concludes that the legal formalization of credit lines is significant and emphasizes the need for regulation aligned with current economic and social realities in the Russian Federation.

Abstract: The article analyzes the concept of «financial potential» in economic science and its significance in managing regional economies. Financial potential is defined as the totality of monetary and other financial resources that can be used to achieve economic growth and sustainable development in a region. The study includes an analysis of various theoretical approaches to understanding financial potential, examines its classifications and methods of analysis, and discusses its importance for regional and national economies. The article emphasizes that effective management of financial potential plays a key role in strategic management and achieving socio-economic goals. Based on the analysis of existing concepts and studies, the author provides recommendations for managing a region's financial potential and its strategic use for sustainable development and growth.

Abstract: The article explores approaches and strategies for digital transformation (DT) in enterprise operations management. DT is described as a complex process that involves integrating digital technologies to enhance business process efficiency and competitiveness. The focus is on technology selection, risk assessment, and organizational adaptation. Trends in artificial intelligence, the Internet of Things (IoT), and automation are discussed, along with their impact on process optimization and customer experience. The author emphasizes the importance of planning and staff training for successful DT implementation. The conclusion highlights the significance of DT for sustainable company growth in the global digital economy.

Abstract: The article explores the formation of an optimal capital structure in corporate management using Russian and international practices as examples. Key factors influencing capital structure decisions, such as financial resource availability, capital costs, and risks, are analyzed. Russian practices are characterized by a high dependence on bank loans and foreign investments. International practices include the use of bonds and financial leverage. The analysis highlights the most effective strategies to ensure financial stability and company growth in a global economy.

Abstract: The article explores the impact of modern human resource management approaches on business process efficiency in a globalized context. It discusses flexible management models like Agile and Scrum and their role in enhancing company adaptability. The use of digital technologies, including e-learning and HR management platforms, is analyzed to highlight their importance in skill development and cost optimization. The author emphasizes the need for investing in employee development and creating a sustainable organizational culture to achieve competitive advantages and long-term success in the global market.

Abstract: The article examines the application of behavioral economics in risk management at the microeconomic level. It focuses on how psychological and behavioral factors, such as bounded rationality and the status quo effect, influence decision-making in small businesses and households. The discussion covers methods like "nudging" and financial literacy improvement, which help reduce risks and optimize resource management. The analysis demonstrates that integrating behavioral approaches promotes more rational and well-grounded decision-making, enhancing the economic resilience of microeconomic entities.

Abstract: The article explores innovative marketing models in the digital environment and their impact on consumer behavior transformation. Key approaches such as big data usage, personalization, marketing automation, as well as social media and content marketing, are analyzed. The author emphasizes the importance of adapting marketing strategies to evolving digital conditions to enhance companies' competitiveness. Examples of successful implementation of innovative models are discussed, demonstrating their effectiveness in improving customer experience and engagement.

Abstract: The article explores project management in high-tech sectors, focusing on risk assessment and the development of successful implementation strategies. Modern management approaches, including flexible methodologies such as Agile and Scrum, and the use of digital tools for coordination and monitoring are discussed. Resource management and team communication are emphasized as critical components. The author highlights the importance of adaptation and innovative strategies to achieve success in a rapidly evolving technological environment.

Abstract: The article discusses the strategic aspects of corporate social responsibility (CSR) in the context of sustainable development and environmental policy. Emphasis is placed on implementing environmental standards such as ISO 14001, transitioning to eco-friendly technologies, and engaging employees and communities in ecological initiatives. The analysis highlights the benefits of these approaches, including cost reduction, reputation enhancement, and strengthening market positions. It underscores that effective CSR implementation requires a comprehensive approach and adherence to international standards.

Abstract: The article focuses on the study of financial potential and its impact on the socio-economic development of the Republic of Crimea. The study analyzes the main financial indicators of the region from 2014 to 2024, highlighting the role and significance of both own and attracted financial resources in the development and sustainability of the regional economy. The paper examines the main aspects of financial potential and conducts econometric modeling to assess the influence of financial factors on the dynamics of socio-economic growth. Based on the analysis, the article outlines prospects and recommendations for enhancing the financial potential of the region. The importance of state regulation and strategic planning in achieving long-term socio-economic development goals is also emphasized.