ASSESSMENT OF THREATS TO THE FINANCIAL AND INNOVATIVE SECURITY OF HOTEL AND RESTAURANT ENTERPRISES AT THE MICRO AND MACRO LEVELS. - Gorniak, Olga; Batyuk, Roman; Senyk, Petro; Homolska, Viktoriia; Riabtsev, Vasyl; Solovyov, Valeriy (Financial & Credit Activity: Problems of Theory & Practice, 2026)