Mechanisms of economic behavior of firms in the context of the formation of digital economy institutions
Abstract. The article invesigates mechanisms of economic behavior of firms in the context of the formation of digital economy institutions. An organizational and economic mechanism for digital interest rate swap contracting of high-tech companies under partial state guarantees is proposed and substantiated, al-lowingsuch business entities to obtain credit resources from Internet banks at favorable interest rates (lower than those they could receive on a general basis, without using this mechanism) for the implementation of innovative projects and programs.
Keywords: firm behavior, marketing, digital economy, shared consumption, irrationality.
Highlights:
- the process of digitalization of the activities of modern Russian organizations in various sectors of the economy is associated with a number of specific risks, the management of which requires the formation of special mechanisms within the framework of the economic behavior of specific firms;
- interest rate swap is a fairly common mechanism for financial support of the activities of American and European companies, which allows to significantly reduce risks typical for the traditional model of bank lending, and, accordingly, to reduce the level of interest rates for potential borrowers. The demand for the use of interest rate swap mechanisms has increased significantly in the context of the global pandemic crisis.
Yason Z. Alborov - Togliatti State University, Togliatti, Russia