As practice shows, qualified personnel is the human capital of the organization, which allows you to improve the scientific and technical capabilities of the company, and therefore its innovative potential. The purpose of the scientific article is to study the main approaches to the definition of human capital and its role in the development of innovative activities of enterprises in the construction industry at the present stage. The authors identified the fundamental provisions and trends of scientific research in the field of human capital. On the one hand, human capital is an integral part of intellectual capital, and is a kind of intangible asset of the enterprise. On the other hand, increasing the level of intellectual potential of an enterprise is possible only with the development of human capital. The paper proves that an important factor influencing the development of innovative activities of construction industry enterprises at the present stage is the level of staff qualification. To implement measures of personnel policy of construction industry enterprises (improving the professional level of personnel, employee satisfaction, reducing staff turnover, etc.), it is advisable to monitor such basic indicators of scientific and technical training of personnel as the share of employees with higher education, the share of employees engaged in research and development (RDA), the share of costs for professional development and training of employees, the share of costs for remuneration of employees engaged in RDA, etc.

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Due to the strengthening requirements of the Bank of Russia for credit institutions and the increasing amount of loan transactions in banking, credit institutions have to constantly monitor the changes of external and internal risks, improve the existing risk management system in order to increase their financial stability. In this respect, the risk management for the loss of liquidity may seem a comprehensive and controversial problem, whose best solution can only be found taking into consideration various factors and management goals. This article aims to study the methodology of liquidity assessment and management for a credit institution. The authors address the components, stages, and goals of risk management, assessment, and risk management criteria in the banking sector and on the credit institution level, as well as the liquidity risk assessment and management direction selection in credit institutions.