Purpose: The article is devoted to the assessment of changes in the forms and methods of lending Russian Small and Medium-sized Enterprises (SMEs). The purpose is to outline the role of digital technologies in the system of lending SMEs in Russia. Design/Methodology/Approach: To achieve this goal it is necessary: first, to outline the main changes in the banking industry considering digital technologies, second, to list the main banking products, how digital technologies influence the most (banks as ecosystems) and third, to describe how digital technologies are beneficial in lending SMEs. Findings: The authors defined the crucial role of digital technologies, underlined the leading role of the Russian financial sector in the world according to experts and offered the scheme of a digital banking product development. Also, the authors compared digital development in the EU and in Russia and made the conclusion towards some new opportunities to SMEs. Practical Implications: The research results may be implicated in a system of lending by means of digital products offered to SMEs and future key points of development in the digital sphere for the commercial banks, e-trade and fintech companies. Originality/Value: The main contribution of this article is in comparison between digital development in the EU and Russia, some leading role of the Russian banks in the world, description of a digital banking product development and considering the experience of the ecosystem of Sberbank for SMEs in Russia.

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The article researches the features of the synergy of the social functions of the state and the housing mortgage loan (HML) in order to develop a tool that allows determining guidelines and directions for strengthening the effectiveness of collaboration between the state and the private sector represented by commercial banks in solving the most important social problem—providing housing to the population. The authors show that the use of the proposed assessment tool by state structures and commercial banks increases the effectiveness of solutions to the housing problem in the country and enhances the synergetic effect of a comprehensive increase in the standard of living of the population when synchronizing actions. The main purpose of the research was to develop an algorithm that determines the key factors influencing the number of issued HML. The object of the study is the Russian HML market on the example of three federal districts. The developed algorithm is based on the use of statistical analysis methods ANOVA, mutual regression and recursive feature elimination. The approbation of the results obtained on three subjects of the Russian Federation allowed us to obtain a set of significant factors of influence, taking into account regional peculiarities.

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