TY CONF TI MODERN INSTRUMENTS FOR REFINANCE OF ACCOUNTS RECEIVABLE AT AN ENVIRONMENTAL MANAGEMENT ENTERPRISE KW environmental management KW write-off of accounts receivable JO MANAGER OF THE YEAR – 2024 AU Kuksova, I.V. AU Konopkin, I.A. PY 2024 PB FSBE Institution of Higher Education Voronezh State University of Forestry and Technologies named after G.F. Morozov