financeФинансы: теория и практика/Finance: Theory and PracticeFinance: Theory and Practice2587-56712587-7089Financial University under The Government of Russian Federation10.26794/2587-5671-2025-29-5-77-89finance-3952Research ArticleДЕНЕЖНО-КРЕДИТНАЯ ПОЛИТИКАMONETARY & CREDIT POLICYКредит в модели инфраструктурной отраслевой экосистемы АПКCredit in the Model of the Infrastructure Industry Ecosystem of the Agro-Industrial Complexhttps://orcid.org/0000-0003-4499-1566КоробейниковД. А.KorobeynikovD. A.

Дмитрий Александрович Коробейников — кандидат экономических наук, доцент кафе­дры экономической безопасности

Волгоград

Dmitry A. Korobeynikov — Cand. Sci. (Econ.), Assoc. Prof., Department of Economic Security, Volgograd State Agrarian University

Volgograd

korobeinikov77@yandex.ruВолгоградский государственный аграрный университетРоссияVolgograd State Agrarian UniversityRussian Federation2025261020252957789Copyright © Коробейников Д.А., 20252025Коробейников Д.А.Korobeynikov D.A.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://financetp.fa.ru/jour/article/view/3952

Развитие индустрий FinTech, AgTech и GovTech, формирующиеся вокруг них цифровые экосистемы, перспективы конвергенции и появления гибридных архитектурных решений на их основе являются объектом активной научной дискуссии.

Целью исследования является разработка концепта гибридного решения для агропромышленного комплек­са, инкорпорирующего в единой цифровой платформе отраслевые цепочки ценностей и функции государственного управления, а также последующая разработка экосистемной модели функционирования сельскохозяйственного кредита.

Методология исследования основана на гипотетико-дедуктивном подходе. Мы исходим из нескольких предполо­жений. Во-первых, экосистемные формы управления в АПК могут быть более эффективными. Во-вторых, интеграция кредитных механизмов в бизнес-модели отраслевых экосистем необходима. Наконец, создание цифровой инфра­структуры, объединяющей коммерческие и государственные сервисы, возможно и целесообразно. На основе кейсов, существующих в АПК и финансовой сфере цифровых экосистем, разработана модель инфраструктурной отраслевой экосистемы, структурированная в разрезе объектной, средовой, процессной и проектной подсистем. Организационно экосистема будет иметь модульную структуру, ее координатором и IT-интегратором выступит Минсельхоз России. В рамках предложенной модели обозначены направления инкорпорирования элементов отраслевого кредитного механизма в цепочки ценностей экосистемы, а для льготного кредита меры государственной поддержки станут элементом новой экосистемной формы реализации функций государственного управления в агропромышленном комплексе. Кредитный сегмент инфраструктурной отраслевой экосистемы реализован как клиентоцентричная сис­тема, опирающаяся на цифровые технологии, FinTech, элементы средовой подсистемы и кредитной инфраструктуры, обеспечивающая бесшовность взаимодействия участников и экономию издержек за счет автоматизации транзакций и информационных эффектов.

The development of the FinTech, AgTech and GovTech industries and the digital ecosystems that are emerging around them, the prospects for their convergence and the emergence of hybrid architectural solutions based on them are the subject of active scientific discussion. The purpose of the study is to develop the concept of a hybrid solution for the agro-industrial complex, incorporating industry value chains and public administration functions in a single digital platform, as well as the subsequent development of an ecosystem model of the functioning of agricultural credit. The methodology of this work is based on the hypothetico-deductive approach, and the hypothetical design of the study is formed by assumptions about the feasibility of developing ecosystem forms of government functions implementation in the agro-industrial complex. These include the need to integrate elements of the credit mechanism within the agro­industrial industry into the value chains that form the business models of industry ecosystems, as well as the possibility of creating a digital infrastructure ecosystem that combines commercial and government services on a single platform. Based on cases existing in the agro-industrial complex and financial sphere of digital ecosystems, we have developed a model of an infrastructure industry ecosystem. The model is structured into object, environmental, process, and project subsystems. Organizationally, the ecosystem will have a modular structure, and the Russian Ministry of Agriculture will act as its coordinator and IT integrator. Within the proposed model, we outline directions for incorporating elements of the industry credit mechanism into the ecosystem value chains, and for preferential loans, government support measures will become an element of a new ecosystem form of implementing public administration functions in the agro-industrial complex. The credit segment of the infrastructure industry ecosystem is implemented as a client-centered system based on digital technologies and FinTech, elements of the environmental subsystem and credit infrastructure. This system ensures seamless interaction between all participants and cost savings through the automation of transactions and the exchange of information.

цифровая экономикаэкосистемыплатформыэкосистемные бизнес-моделисельскохозяйственный кредитагропромышленный комплексльготный кредитцифровое государствоdigital economyecosystemsplatformsecosystem business modelsagricultural creditagro-industrial complexpreferential loandigital stateИсследование выполнено за счет гранта Российского научного фонда № 24-28-01117 «Разработка экосистемной модели функционирования сельскохозяйственного кредита», https://rscf.ru/project/24-28-01117/ACKNOWlEDGEMENTs The research was supported by the Russian Science Foundation grant No. 24-28-01117 “Development of an ecosystem model of the functioning of agricultural credit”, https://rscf.ru/project/24-28-01117/ReferencesКлейнер Г.Б., Рыбачук М.А., Карпинская В.А.Развитие экосистем в финансовом секторе России. Управленец. 2020;11(4):2–15. DOI: 10.29141/2218-5003-2020-11-4-1Kleiner G.B., Rybachuk M.A., Karpinskaya V.A. Development of ecosystems in the financial sector of Russia. 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The authors declare that there are no conflicts of interest present.