REDUCTION OF MICROECONOMIC RISKS IN FINANCIAL AND INVESTMENT MANAGEMENT THROUGH INVESTMENTS IN INNOVATIVE PROJECTS: THE EXPERIENCE OF GLOBAL UNICORN COMPANIES

Анотація

This article focuses on investigating the role of investments in innovative projects as a strategic instrument for reducing the microeconomic risks of enterprises under conditions of global competition and digital transformation. Within the framework of the study, the nature of microeconomic risks in the financial management system, their main types, as well as the necessity of integrating innovative approaches to ensure the financial sustainability of companies, are analyzed. Special attention is paid to the analysis of the international experience of unicorn companies, which are considered examples of the successful combination of high growth rates, investment attractiveness, and effective risk management. The article emphasizes the importance of implementing technological solutions such as artificial intelligence, big data, and cloud technologies, which allow enterprises not only to adapt to changes in the market environment but also to transform potential threats into sources of competitive advantages. It has been established that innovative investments contribute to the optimization of cost structures, automation of business processes, and diversification of income sources, which significantly reduces the probability of financial instability. The role of digital transformation as a key driver of innovative development is highlighted, as it reduces the influence of subjective factors in managerial decision-making processes and increases the accuracy of financial forecasting. It is concluded that the combination of effective financial management and an active investment policy in the field of innovative technologies forms a new model for minimizing microeconomic risks and ensuring sustainable economic growth in the 21st century.

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