Purpose: The article analyzes the state of domestic insurance in agricultural enterprises, which is a complex type of property insurance, subspecies of which are insurance of crops, animals, commodity aquaculture, real estate and income of agricultural producers. Methodology: Generally accepted methods and techniques of economic research were used in the study process: monographic (in the process of studying risk management theoretical foundations), statistical and economic (when studying trends of AIC enterprise development and functioning), design-constructive (when justifying and calculating indicators of enterprise functioning), abstract and logical (when generalizing conceptual and methodological approaches in identifying, analyzing and assessing risks), comparative analysis (synthesis of native and foreign risk management experience), various risk assessment methodologies. Result: The economic risk passport is understood as a set of information about the risk area, risk criteria, as well as for instructions on the application of the necessary methods to manage or minimize the risk. The article presented a liquidity loss risk passport with one of the measures to minimize it - self-insurance. Applications: This research can be used for universities, teachers, and students. Novelty/Originality: In this research, the model of Insurance as an Effective Mechanism to Minimize Risks at the Enterprise is presented in a comprehensive and complete manner.

The relevance of the study is due to the active spread of the concept of smart specialization as a comprehensive territorial and sectoral approach to the development of territories not only in the EU but also in other countries, as well as the emergence of new directions and modifications. The article analyzes the ten-year evolution of the concept of smart specialization from a predominantly sectoral approach to a comprehensive balanced territorial-sectoral approach to determining the priorities for the development of regions based on unique competitive advantages based on entrepreneurial search in the context of interregional and macroregional interaction. The possibilities and prospects of using a smart specialization in the implementation of regional development policies of developing countries for the formation of innovative and technological industrial models of development and integration into global value chains have been evaluated. It has been established that at present the concept of smart specialization continues to develop and should consider such modern trends as technological connectivity of industries, digitalization, and convergence of technologies, blurring and increasing transparency of regional and state borders, glocalization, the development of interrelated processes of "competition", "co-evolution", and "co-specialization" of territories.

Владыка М.В., Чистникова И.В., Ермаченко Ф.М. Межрегиональная интеграция в пространстве макрорегиона как фактор развития национальной экономикиБелгородский государственный национальный исследовательский университет ул. Победы,

initial key competitive indicators, including those reflecting the regional resource potential. Methodology: The usage of the proposed methodological approach provides model systematization of data based on selected indicators of competitiveness, reflecting the effectiveness of socio-economic processes in the development of regional space and indicators of resource provision in the region, determining the development of competitive advantages. Result: The most important condition for ensuring the sustainability of socio-economic systems is competitiveness. The processes of globalization have increased attention not only to the cross-country component of competitiveness but also to the formation, evaluation, and development of the competitive advantages of individual regions. Due to the fact that it is the complex of various competitive advantages of a region that predetermines its competitive position among other regions and provides attractiveness in the context of the main target groups whose inflow the region needs for further development, it becomes very important to compare competitive advantages based on their quantitative and qualitative measurement. Applications: This research can be used for universities, teachers, and students. Novelty/Originality: In this research, the model of Differentiation of the Regions of the Central Federal District of the Russian Federation According to the Level of Competitive Advantages is presented in a comprehensive and complete manner.

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