Financial innovations have been and remain an integral part of the economic development of countries in recent dec-ades. The need for effective tools and technologies that would allow hedging, managing the market risks, which ultimately affected rapid emergence of new financial instruments, trading mechanisms and technologies has significantly increased. Their use accelerates new financial relationships that can solve these problems.The main purpose of the article is to deepen theoretical provisions of the securitization process of financial assets, fea-tures and reasons for its dissemination in economic processes.There are different approaches to determining the essence of securitization of financial assets. The securitization in the narrow sense has two types –securitization of assets (bonds issue on the basis of mortgage or consumer loans, debts on cred-it cards) and securitization of liabilities (issuing to depositors of bonds of the domestic state currency loan or bank billsin-stead of funds). It has been proved that securitization of assets has been the most widespread. The author’s interpretation of the securitization of financial assets as an innovative form of financing, which involves obtaining profits by financial institu-tions from the sale of a pool of financial assets generating stable cash flow, specially created legal entity that will issue secu-rities with new properties and forms of collateral has been submitted. With the financial market development, new trends, tools and processes appear that allow to activate the market, strengthen financial capabilities of market participants, in-crease their liquidity. The main trends in the financial market development are globalization and dissemination. There are several approaches to explaining the occurrence of securitization. Most often, its occurrence is explained as the activities of companies in response to state regulation in the field of banking.

The dynamic nature of the tourism sector depends on the ever-increasing requirements for professional qualifications and training. The variety of types of tourism requires an adequate educational level and professional qualifications of future specialists and managers. Their professional training begins in higher education institutions in order to approve them in the process of implementation and career development in tourism. Competences in the modern science of tourism play the role of the main factor determining the success of tourism development in a particular destination. In this competence, they act as the main quality of destination management as well as a determining element of the external and internal environment of the tourism industry. Competence is considered as a complex integrative quality, which includes both substantive (knowledge) and procedural (skills) components that allow to effectively perform professional activities, independently solve production problems, answer questions. Thus, the competence is a set of competencies. Professional competencies are a determining factor for effective professional behavior and competitiveness in the tourism market. They help maintain the traditional rhythm of tourism, as well as making non-standard decisions in problematic situations. It is proved that the competent environment of the tourist complex includes government agencies, labor force, intangible tourist resources, consumers. The paper analyzes the relationship between the elements of the "national diamond" and competencies in relation to the tourist complex. It is noted that the competencies of related industries of the tourist complex indirectly affect the success of its operation. The problem of competencies in tourism education and science as a result negatively affects the ability to defend the corporate interests of the tourism industry in all areas. Keywords: competence, competency, professional competence, professional qualification

Фінансовий ринок здійснює значний вплив на розвиток усіх секторів економіки нашої держави. Тому саме його ефективний розвиток є необхідною умовою сталого функціонування економіки країни загалом, а отже, успішне функціонування фінансових інституцій на фінансовому ринку сприятиме сталому розвитку всіх економічних процесів. Метою статті є дослідження ключових аспектів розвитку фінансового ринку України у контексті впливу фінансових технологій. Основними завданнями цього дослідження є: – охарактеризувати сутність та структуру фінансового ринку України; – проаналізувати ключові показники розвитку секторів фінансового ринку України; – визначити подальші перспективи розвитку українського фінансового ринку під впливом впровадження фінансових технологій. У роботі були використанні такі методи дослідження: методи теоретичного узагальнення і порівняння – для визначення сутності та змісту основних понять; графічного аналізу – для наочного відображення отриманих результатів; статистичного аналізу – для дослідження функціонування фінансового ринку Україні та зіставлення фактичних даних звітного і попередніх років. Науково-практична значимість одержаних результатів полягає у тому, що основні положення, наведені у статті, можуть слугувати основою для вдосконалення розвитку фінансового ринку України з використанням фінансових технологій. The financial market has a significant impact on the development of all sectors of our economy. Therefore, its effective development is a necessary condition for the sustainable functioning of the country's economy as a whole, and therefore the successful functioning of financial institutions in the financial market will contribute to the sustainable development of all economic processes. The aim of the article is to study the key aspects of the development of the financial market of Ukraine in the context of the impact of financial technologies. The main objectives of this study are: – describe the nature and structure of the financial market of Ukraine; – to analyze key indicators of development of sectors of the financial market of Ukraine; – to determine further prospects for the development of the Ukrainian financial market under the influence of the introduction of financial technologies. The following research methods were used in the work: methods of theoretical generalization and comparison – to determine the essence and content of basic concepts; graphic analysis – to visualize the results; statistical analysis – to study the functioning of the financial market of Ukraine and compare the actual data of the reporting and previous years. The scientific and practical significance of the obtained results is that the main provisions presented in the article can serve as a basis for improving the development of the financial market of Ukraine with the use of financial technologies.

The work is devoted to the definition and classification of factors of investment attractiveness of the enterprise. Today, companies operate in conditions of fierce competition. Therefore, there is a need to respond quickly to changes in the environment and increase productivity. Continuous development is the key to the success of any organization. However, this process requires investment - the engine of the company's growth. The only way to raise capital and strengthen market positions is to increase the level of investment attractiveness. A necessary condition for ensuring sustainable and competitive development of enterprises is access to investment resources and the possibility of attracting them, taking into account the investment attractiveness of enterprises. It is determined that investment attractiveness is a complex concept, as it reflects the opinion of a certain group of investors on the financial resources of the enterprise, and is a set of certain objective features, properties, means and capabilities of the economic system that determines potential payment demand. An important condition for the existence of the enterprise is the ability to determine a number of qualitative factors influencing the internal and external environment on the overall level of financial condition of enterprises and the efficient use of enterprise resources. Groups of factors that directly or indirectly affect the investment attractiveness of the enterprise are identified. Attracting investment is a necessary process for the revival and achievement of a higher level of competitiveness. An investment-attractive company encourages investors to make decisions about long-term capital investments for the further development of the company and the corresponding expected return. Study and analysis of the population interacting factors of investment attractiveness in the future will allow to analyze the state of investment attractiveness of enterprises in Ukraine, which will maximize the socio-economic effect of the economy of Ukraine as a whole. Keywords: factors, investment attractiveness, investments, investors.