The slowdown of purchasing power growth of people, decrease of profits in the segment of commerce, increase of the consumers’ demands to the quality of products and services, intensification of competition between the trade enterprises – all this makes the retail distribution networks to develop intensively, optimize the business processes, improve the logistics, introduce the systems of automation and informational support, improve the accounting systems, forge direct relationships with the consumer of the product, invest in development, i.e. effectively use innovative financial instruments with the aim of gaining maximum profit through satisfaction of the consumer’s needs and creation of a loyal clients pool. Lately the competitiveness at the market greatly depends on innovation component in the activity of enterprises.

The financial innovations for the trade enterprises providing a quality rise of their functioning, - are a special type of creative work leading to appearance of brand new  revolutionary branch technology or a new format in implementation of already existing ideas.

The ever-changing today keeps the financial system toned as well, making it change constantly, and a high level of competitiveness between the financial market participants necessitates them introducing new methods of work, innovation of financial products and services rendered to the clients.

However it’s crucial for financial institutions to search for innovation financial instruments allowing not only increasing the profit, but also providing possibility to decrease the risk of losing the financial institution as such.

The crisis developments prevailing lately in the national economy, disfiguring the rules of financial market functioning and offsetting the notion of “financial relations culture” between the market participants, contributes to appearance of innovative financial instruments including those aimed at protecting against losses of financial institutions which suffered economic loss due to massive payment failure of unscrupulous debtors and honest debtors who appeared to be in a tough financial situation due to certain reasons and have no possibility to pay the next loan settlements.