Finance is the core of the modern economy and the bloodline of the real economy; adherence to the people-centered value orientation and the financial services of the real economy as the fundamental purpose is an important connotation of the road of economic development with Chinese characteristics. Financial work is distinctly political and people-oriented, and must consciously practice the concept of the people, serve agricultural and rural development and farmers to increase their income and contribute to the common prosperity of farmers and rural areas. This study is based on the key factors affecting the multidimensional poverty of rural households—external rural financial resources availability and internal rural household entrepreneurship, rural household risk resilience, and rural household financial capability joint analysis. Based on financial exclusion theory, financial inclusion theory, poverty trap theory, and financial literacy theory, to build a logical framework between the rural financial resources availability, farmers’ financial capability, farmers’ entrepreneurship, farmers’ risk management capability, and farmers’ poverty, and then empirically explore the optimization mechanism of poverty reduction for farmers, and analyze the heterogeneity of the financial resources availability, to reduce the return to poverty caused by the lack of entrepreneurial motivation and the low level of risk resilience of rural households. The study aims to improve the farmers’ financial capability and promote sustainable and high-quality development of rural households. In this study, we modeled financial resource availability and rural household poverty using structural equations and surveyed rural households using a scale questionnaire. It was found that financial resource availability significantly affects rural household risk resilience, farmers’ entrepreneurship, and rural household poverty and that rural household risk resilience significance mediates the relationship between financial resource availability and rural household poverty, financial capability plays a significant moderating role. However, the mediating effect of farmers’ entrepreneurship on the availability of financial resources and farmers’ poverty is insignificant. Here, we put forward corresponding countermeasures and recommendations: guiding the allocation of financial resources to key areas and weak links; optimizing financial services; and building a long-term mechanism.

This study adapts traditional service blueprint methodologies for technology-driven coopetition networks, where companies simultaneously collaborate and compete. Integrating insights from service science, we developed an enhanced service blueprint framework with three key components: the cyber frontstage Lane for digital interactions, the physical backstage Lane for physical operations, and the support stage lane for supporting processes. Empirical validation in the Portuguese stone sector demonstrated the framework’s effectiveness in identifying network dysfunctions and its ease of use for industry professionals. Feedback highlights its relevance in capturing the complexities of modern digital coopetition and managing interactions and resources. This research underscores the necessity of updating service blueprint methods to optimize service delivery and value co-creation in digitally evolving sectors.

Demographic policy is one of the key tasks of almost any state at the present time. It correlates with the solution of pressing problems in the economic and social spheres, directly depends on the state of healthcare, education, migration policy and other factors and directly affects the socio-economic development of both individual regions and the country as a whole. Many Russian and foreign researchers believe that demographic indicators very accurately reflect the socio-economic and political situation of the state. The relevance of the study is due to the fact that for the progressive socio-economic development of any country, positive demographic dynamics are necessary. The main sign of the negative demographic situation that has developed in modern Russia and a number of countries, primarily European, is the growing scale of depopulation (population extinction). The purpose of this work was to analyze the existing demographic policy of Russia and compare demographic trends in Russia and other countries. The work uses methods of statistical data analysis, comparison of statistical indicators of fertility, mortality, natural population decline, migration, marriage rates in Russia and the Republic of Srpska, methods of retrospective analysis, research of the institutional environment created by the action of state and national programs “Demography”, “Providing accessible and comfortable housing and public services for citizens of the Russian Federation”, “Strategy of socio-economic development for the period until 2024”, Presidential decrees, etc. Research has shown that despite measures taken to overcome the demographic crisis, Russia’s population continues to decline. According to the Federal State Statistics Service of the Russian Federation (Rosstat), as of 1 January 2023, 146.45 million people lived in Russia. By 1 January 2046, according to a Rosstat forecast published in October 2023 the country’s population will decrease to 138.77 million people. To solve demographic problems in the Russian Federation, a national project “Demography” was developed and approved. The government has allocated more than 3 trillion rubles for its implementation. However, it is not possible to completely overcome the negative trend. The authors proposed a number of economic and ideological measures within the framework of agglomeration, migration, and family support policies that can be used within the framework of socio-economic development strategies and national programs aimed at overcoming the demographic crisis.