Financial innovations and sustainable financing models for the creative sector of the economy

Abstract

This article analyzes the transformation of financing mechanisms for the creative economy under conditions of digitalization. The limitations of traditional bank lending in working with intangible assets of creative industries are demonstrated. The role of fintech instruments - blockchain, intellectual property tokenization, and crowdfunding - is substantiated as alternative mechanisms for attracting capital and reducing investment risks. The possibilities of Big Data for the valuation of intangible assets and forecasting the profitability of creative projects are examined. The study concludes that there is a need to establish an integrated digital financial infrastructure to ensure the sustainable development of creative entrepreneurship.