Правовое обеспечение цифровизации финансового сектора в контексте достижения национальных целей экономического развития России

Abstract

The subject of the study is the current state of digitalization of the financial sector in the Russian Federation. The purpose of the work is to establish prospects for the development of the regulatory framework for the digitalization of the financial sector in conjunction with activities to ensure the achievement of national economic development goals of the country. The article reveals the debatable nature of the conceptual apparatus reflecting the digital transformation of the economy, characterizes various approaches to the meaningful content of the terminology of digitalization of the financial sector. Based on information sources, the progressive nature of the increase in spending on the development of the digital economy has been determined. The analysis of the degree of digitalization of the financial sector is carried out. The positive dynamics of Russian financial sector organizations switching to the use of software innovations, digital data protection technologies and encryption tools has been established. The priorities of digitalization development in the context of achieving the national goals of economic development of Russia are determined. The urgency of the need to create a multidisciplinary legal framework as a reliable basis for continuing the systemic digital transformation of the financial sector has been confirmed. The regulatory documents in force and in the process of public discussion are considered, intended for the legal regulation of the digitalization process in the financial sector of the economy. The directions of improving the work on the legal support of the financial sector are substantiated: data protection, the introduction of the digital ruble, SupTech, RegTech technologies, etc. Conclusions are drawn on the expediency of intensifying research in order to accumulate substantive information for the development of regulatory tools and operational decision-making in the field of legal regulation of financial sector institutions in conjunction with activities to achieve national goals of economic development of the Russian Federation.