Monetary policy deals with a number of issues including improvement of the national business competitiveness, increasing the volume of internal credits, ensuring stability and sufficient reinvestments into the real sector of the economy. On the one hand, banks issue credits relying on the index of competitiveness. On the other hand, banks should encourage the growth of the organization's competitiveness. These tasks are interconnected, but the latter one is hardly considered by researchers. Administration of companies' competitiveness is a set of financial methods aimed at modifying the activity of regulatory institutions so that they can help companies achieve the required financial criteria. In order to solve the trilemma of competitiveness, monetary policy and credit limit-setting for a group of companies, robust management is necessary. Currently, banks have sufficient liquidity but prefer low credit exposure. Such an approach is conditioned by the recent financial shocks, dissatisfaction and disappointment with the existing methodology, which has not protected banks from risks. It leads to the necessity for banks to introduce credit limits for each company. The authors suggest a model of adjustment of competitiveness drivers for the real sector of the economy and ways to determine credit limits in order to support competitiveness.

The influence of factors is considered in the work: the capital costs financed from funds of the federal budget and the organizations involved in the sphere of research and development activities for increase in a share of innovative products in a total amount of manufactured goods in the territory of innovative clusters. The considered clusters are located in the territory of the following federal districts: Northwestern, Siberian, Volga -region, Central and Ural Districts in the Russian Federation. Relevance of research is caused by the fact that development of regional economy within clusters are considered as the main condition of economic growth now. A consequence of network interaction of the anchor production enterprises and the organizations which are a part of a cluster in the sphere of Research and Development is acceleration of innovative process that leads to increasing in a share of innovative products in a total amount of manufactured goods in the territory of innovative clusters.

The aim of the work is to evaluate the intermediate results of the digitalization process of transport and logistics services in Russian agriculture. A methodology has been applied that uses data from Rosstat, the GooglePlay service and the Yandex.Radar service as a source of information. The study shows that one of the main trends in the cargo transportation market is the introduction of new technologies, such as transport and warehouse management systems, digital services that automate the business processes of carriers, mobile applications for ordering or providing cargo transportation services. The processes of digitalization of transport and logistics services in Russian agriculture are supported by the state. The implementation of the projects "Digital Platform of the transport complex" and "Digital Agriculture" will ensure cost reduction and improve the quality of transport and logistics services. The creation of a digital platform will unite all market participants in one information space and increase the transparency and traceability of cargo transportation.

The article describes the results of the digital railway control system as a complex system study. The article shows the difference between the terms digitization and digitalization. The connection between the digital control system and the digital economy is revealed. The article describes the twelve main characteristics of the digital economy in relation to the digital management of the railway. The article proves that all twelve principles of the digital economy are being transformed into the principles of digital railway management. The place of the digital railway control system among other systems is shown. The basic technological components of the digital control system of an iron drogue are described. The principles of digital traffic control are described. The content of the radio relay information field as an essential component for digital control is disclosed. The relationship of digital management with digital logistics is shown. The article proves that the implementation of digital railway management should occur through the creation of a special system. The role of the Internet of things technology in the development of digital management is described.

The transition of the economy to a digital basis requires a significant change in the structure of education. The country's economy will need personnel who are fluent in computer technology. Some specialists will need to retrain. The problem of employment of graduates is a pain point in higher education. The increase in the number of students receiving higher education is of great social importance, since world statistics show that a highly educated stratum of society is much less likely to commit violent crimes, has a higher duration and quality of life. However, higher education requires significant investment by both the state and students. The lack of demand for young professionals in the labor market leads to social tensions and the inefficiency of investing budget funds. Using the statistics of the Ministry of Education and the monitoring of graduates' careers conducted by the Higher School of Economics, the authors analyze the causes of career failures of young professionals. The demand for university graduates depends not only on the objective economic factors that shape the labor market but also on the preparedness of young professionals for independent work. The authors consider various measures taken by the interested parties of this problem -by the state, universities, employers and young professionals. The state is trying by legislative measures to reduce the number of budget places or to return the institution of compulsory distribution of graduates. Universities are trying to attract business to teaching in the basic departments. The employer is resigned to the fact that every young specialist hired will have to be retrained before being allowed to work. Students are trying to find a job during full-time study, reducing the quality of knowledge. In conclusion, the authors analyze the experience of combining work in a target enterprise and getting higher education in the framework of cooperation between the base enterprise and the higher education institution. Keywordsdigital economy, higher education, employment of young specialists, quality of higher education, forms of study at a university, distance education