UDC 338.2

DOI: http://doi.org/10.15350/2409-7616.2022.3.24

Shemyakina M.S.¹ (Yoshkar-Ola, Russian Federation) – sh.marina.s@gmail.com, Burkov A.V.² (Yoshkar-Ola, Russian Federation) – alexey.burkov@gmail.com

¹Volga State University of Technology

²Mari State University

Abstract. The article studies the mechanism for ensuring the economic security of the person – the subject of the mortgage cluster in the context of digital transformation. The relevance of the topic of the article is due to the peculiarities of the current economic situation in the country and its regions. The decrease in the key rate of the Central Bank after the policy of maintaining it at a high level at the beginning of 2022 and state support through the implementation of cluster mortgage programs necessitates, according to the authors, the need to assess the economic security of the subjects of the mortgage cluster. This is primarily due to an increase in the share of mortgage transactions in the total number of real estate purchase and sale agreements. The article is devoted to the problem of the development of theoretical provisions in terms of ensuring the economic security of the individual in the context of interpreting the individual as a subject of the mortgage cluster. The authors use an approach based on advanced digital transformation methods, developing methodological tools to neutralize emerging threats using such an end-to-end technology as a smart contract. The author’s definition of the concept of «mortgage cluster» is given. The subjects of the mortgage cluster are defined, which are classified into three groups: direct participants, auxiliary participants and the state. A brief description of each of the groups is given. The author’s definition of the category «economic security of subjects of the mortgage cluster» is developed, on the basis of which the architectonics of the concept under study is built. The risks of economic security of the individual – the subject of the mortgage cluster, are identified, which are classified into two groups: insured and not insured. For each group of risks, tools for their neutralization are identified. The role of a smart contract as a risk reduction tool has been explored. The structure of a smart contract, an object of a mortgage cluster, has been developed.

Keywords: digital transformation, smart contract, end-to-end technology, person economic security, mortgage cluster, risks, threats.

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For citation:

Shemyakina M.S., Burkov A.V. Smart contracts as a tool to ensure the economic security of an person- a subject of a mortgage cluster in the context of digital transformation. CITISE, 2022, no. 3, pp. 270-279. DOI: http://doi.org/10.15350/2409-7616.2022.3.24