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Digitalization, as the most important trend in the modern development of the economy and society, can be accompanied by not only positive but also negative consequences. In order for it to have only a positive impact, it is necessary to fulfill the requirements that it presents to society in the form of the content of the challenges. In the case when these requirements are not met, there is a threat of negative consequences of the impact of digitalization, which are proposed to be described through risk. The article proposes to solve the problem of enhancing the positive and reducing the negative impact of digitalization on the activities of a certain subject and/or on the content of any object impacted by digitalization on the basis of the creation and implementation of a Comprehensive Digitalization Risk Management Program. It includes Program N 1 for managing risks caused by the impact of digitalization on a certain area of society; Program N 2 for managing risks caused by the use of main digitalization products; Cyber Risk Management Program N 3 or Information Risk Management Program N 4, of which Program N 3 is a part. Each of these programs contains 2 parts: part 1 contains management decisions developed independently, part 2 contains management decisions to implement the requirements of regulatory legal acts, as well as national and interstate standards that implement risk management of information security violations at the state, interstate or industry levels level.

Digitalization, considered in a broad sense as the most important modern trend of social development, is generally accompanied not only by positive consequences for the economy and society, but also by challenges, threats, as well as negative consequences of the implementation of these threats. Digitalization, considered in a narrow sense as the transformation of information of any kind into its digital form and involving the use of digital information, can also be described by challenges, threats, negative consequences and risks. Among the latter, a significant role is played by the risks of violating the security of digital information — cyber risks. Since they can have a negative impact on digitalization, considered both in a broad and narrow sense, there is a problem of allocating cyber risks and managing them in order to reduce possible losses and damage caused by the implementation of these cyber risks. The article defines the interrelationships of the concepts of digitalization, challenge, threat, negative consequence and risk; identifies the role and justifies the high importance of a cyber call as a requirement to ensure the security of digital information; determines the factors of influence on cyber risks; suggests a variant of building a cyber risk management program, the implementation of which will contribute to reducing the possible negative consequences of digitalization caused by a violation of the security of digital information.

The task of improving business performance always raises the problem of choosing the most effective ways to ensure it. The article is devoted to the substantiation of the business efficiency criterion, in accordance with the requirements of which those areas of business development that provide it with the greatest efficiency should be determined. The article puts forward and confirms the hypothesis that, according to the selected criterion the greatest efficiency can be provided not only by the variant of the simultaneous implementation of all possible directions for increasing efficiency, but also by the variant of their implementation in parts — in the form of sets of directions. The authors propose a model for the formation of an effective business, using Pareto optimality and implemented on the basis of two developed Algorithms, which is illustrated by a numerical example.

Tighter competition of any economic entities leads to the use of such a mechanism to combat it as economic convergence — the rapprochement of the activities of various economic entities, aimed at increasing the efficiency and competitiveness of its participants. At the same time, the most important modern trend in social development is digitalization, which also has an impact on convergence processes in the economy. Disclosure of the impact of digitalization on convergence processes includes consideration of the stages of development of digitalization, levels of convergence, their relationship, as well as identifying the directions and results of the impact of the last stage of digitalization on modern economic convergence. The results of the study are the identified parameters of economic convergence and their content, the disclosure of the business model characteristics of entrepreneurial activity within the framework of modern economic convergence, the possibilities of joint business implemented by intersectoral convergence, as well as the prerequisites of joint business due to the influence of the digitalization factor on all these processes. Keywords: economic convergence, convergence parameters, digitalization, business model of entrepreneurial activity within the framework of intersectoral economic convergence, prerequisites for the effectiveness of joint business.

The current stage of development of the Russian insurance market in most regions is accompanied by imbalances in its development — a mismatch between the level of development of the regional insurance market and the needs of the region for insurance protection, as well as large deviations of insurance indicators at the regional level from their reference values, for example, the best or average across the insurance market countries. Therefore, the study of the causes of such imbalances, as well as the development of managerial decisions to reduce and eliminate them, is extremely relevant. The article contains an analysis of imbalances in the development of regional insurance markets and their respective regions, as well as a list of measures to reduce them. It also contains an analysis and assessment of imbalances in the development of regional insurance markets (RIM) due to deviations in the real quality and cost of services provided by the region from the reference ones. Particular attention is paid to identifying regional risks that determine the types of insurance that are priority for the region in question. The study used the method of experimental comparative analysis, deduction and statistical methods. The proposed approach to identifying imbalances in the development of RIM and the formation of managerial decisions to reduce them can be used to increase the effectiveness of the functioning of RIM, assessed by the two proposed criteria. The results of the work can be used to develop and implement national and regional strategies for socio-economic development, including the use of insurance as an institution of social and financial protection against risks.

The most important factor in the effective development of any country is the level of national education, including higher education. In turn, the content and quality of the latter is largely determined by how higher education is managed at its various levels, and how effective management decisions are. The content of this article is the author’s model of quantitative and verbal assessment of the quality of management of a Russian university to achieve a specific goal of its development, set for a specific time period. Features of the model: a specific goal is achieved by solving a number of strategic tasks; to assess the quality of management for solving each of these tasks, balanced scorecards (BSC) are formed; on the basis of the BSC for each task, a sub-index is calculated — a quantitative assessment of the quality of management for solving this task; on the basis of the ranked list of strategic tasks and the corresponding sub-indices, an integrated assessment of the quality of university management is carried out in order to achieve a specific goal. The model can be used both as part of the management of a separate university, and for comparing the management of various universities, including the management of Russian and foreign universities.

The current stage of world economic and social development is characterized by a significant impact on it digitalization. As a new trend of world social development, which replaced information and computerization, it is characterized by the following: it is based on a digital representation of information that, in the economic and social life of a country and the whole world, leads to higher economic efficiency and better quality life. The comprehensive disclosure of digitalization features as a modern trend in the world development includes the disclosure of the essence of digitalization, the features of digital representation of information, the prerequisites and possible positive consequences of digitalization for Russia, the relationship between digitalization and digital economy, challenges, threats, possible negative consequences and risks of digitalization for Russia, measurement methods the degree of digitalization coverage of a particular country, and also includes a description of the current state and tasks of digitalization for the Russian economy.