Economic culture as a factor in the financial behavior of Russians: the role of archetypes and modern context
Research Article
Acknowledgments
The study was carried out within the framework of the research work «Financial and economic culture as a parameter of the economic system: research methods and evaluation criteria» of the Financial University under the Government of the Russian Federation (VTK-GZ-PI-32-21).
How to Cite
Aleksandrova O.A. Economic culture as a factor in the financial behavior of Russians: the role of archetypes and modern context. Population. 2021. Vol. 24. No. 2. P. 29-40. DOI: https://doi.org/10.19181/population.2021.24.2.3 (in Russ.).
Abstract
In Russia, as in many countries, the state is showing increased attention to the topic of financial literacy of the population, which is connected, on the one hand, with the expansion of the financial market inherent in the modern world economy, involving ordinary people in its orbit, and, on the other hand, with the curtail of the welfare state, and the reorientation of citizens to self-financing their needs for pensions, medical care, education, etc. In the process of such pushing up people to become investors, borrowers, participants of funded pension schemes, the specific character of the economic culture of the population is not taken into account, while many observed phenomena, such as low level of financial literacy and massive distrust of financial institutions, are due exactly to it. The article presents analysis of the cultural archetypes and patterns of behavior characteristic of the Russians that make up the economic culture; they were correlated with the models of behavior of the population of interest to the state; the impact on the existing economic culture of the current socio-economic context is considered. It is shown that the natural-climatic, geographic, geopolitical and religious factors have shaped Russians' specific attitude towards savings, their own and other people's property, planning horizons, contractual obligations, separation of common and individual responsibility, financial discipline, work ethics, state and commercial institutions, interpersonal relationships, etc., which is far from that sought by the state. Meanwhile, the problem is that it is the socio-economic policy pursued by the state, the events of the economic life of the past thirty years that act as the factors of reproduction and consolidation of the formed cultural archetypes and patterns of behavior, but not their productive transformation.
Keywords:
economic culture, financial behavior, financial literacy, cultural archetypes, patterns of behavior, reproduction, socio-economic policy
References
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2. Arthur Ch. Financial Literacy Education, Neoliberalism, the Consumer and the Citizen. Available at: https://www.researchgate.net/publication/271206480 (Accessed: 15 February 2021)
3. Aleksandrova O. A. Aktsentuatsiya na finansovoy gramotnosti: zabota o naselenii ili element neoliberal'noy sotsial'noy politiki? [Accentuation on financial literacy: caring for the population or an element of the neoliberal social policy?] Dokhody, raskhody i sberezheniya naseleniya Rossii: tendentsii i perspektivy [Incomes, Expenditures and Savings of the Russian population: Trends and Prospects]. Proceedings of the V International Research and Practical Conference (Moscow, 3 December 2019). Moscow. ISEPN FNISTS RAN [Institute of Socio-Economic Studies of Population of the FCTAS RAS]. 2020. 298 p. (in Russ.)
4. Moiseeva D. V. Finansovaya gramotnost' naseleniya rossiyskogo regiona: ekonomiko-sotsiologicheskiy analiz [Financial literacy of the population of the Russian region: economic and sociological analysis]. Cand. Dissertation. Volgograd. 2017 (in Russ.)
5. DiMaggio P. Culture and Economy. N. Smelser, R. Swedberg (eds.). The Handbook of Economic Sociology. Princeton. Princeton University Press. 1994. 752 р.
6. Vyunov Yu. A. Russkiy kul'turnyy arkhetip [Russian Cultural Archetype]. Moscow. Flinta. 2017. 480 p. (in Russ.)
7. Prokhorov A. P. Russkaya model' upravleniya [Russian Model of Management]. 4th ed. Moscow. Izd-vo Studii Artemiya Lebedeva [Publishing house of Art. Lebedev Studio]. 2017. 496 p. (in Russ.)
8. Klyuchnikov I. K., Molchanova O. A. Kreditnaya kul'tura: sushchnost', zakonomernosti, formy [Credit Culture: Essence, Patterns, Forms]. Sankt-Petersburg. 2011. 221 p. (in Russ.)
9. Khromova E. B. Iz istorii stanovleniya istoricheskoy antropologii v Rossii: vklad istorii mental'nostey [From the history of the formation of historical anthropology in Russia: contribution of the history of mentalities]. Istoricheskaya i sotsial'no-obrazovatel'naya mysl' [Historical and Social-Educational Idea]. 2018. Vol.10. No. 5/1. P. 53-61. (in Russ.)
10. Zaslavskaya T. I., Ryvkina R. V. Sotsiologiya ekonomicheskoy zhizni: ocherki teorii [Sociology of Economic Life: Essays on Theory]. Ed. A. G. Aganbegyan. Novosibirsk. Nauka [Science]. 1991. (in Russ.)
11. Ryvkina R. V. Ekonomicheskaya kul'tura v Rossii: trudnosti i etapy stanovleniya [Economic culture in Russia: difficulties and stages of formation]. Available at: https://cyberleninka.ru/article/n/ekonomicheskaya-kultura-v-rossii-trudnosti-i-etapy-stanovleniya (Accessed: 01 June 2019). (in Russ.)
12. Kuzminov Ya. I. Teoreticheskaya ekonomicheskaya kul'tura v sovremennoy Rossii [Theoretical economic culture in modern Russia]. Ekonomika. Sotsiologiya. Menedzhment. [Economics. Sociology. Management]. Available at: http://ecsocman.hse.ru/data/048/386/1217/002_Kuzminov.pdf (Accessed:1 June 2019). (in Russ.)
13. Levada Yu. A. Vremya peremen: predmet i pozitsiya issledovatelya [The Time of Change: Subject and Position of Researcher]. Moscow. Novoye literaturnoye obozreniye [New Literary Review]. 2016. 872 p. (in Russ.)
14. Avakyan A. A. Ekonomicheskaya kul'tura kak regulyator ekonomicheskogo povedeniya [Economic culture as a regulator of economic behavior]. Teoriya i praktika obshchestvennogo razvitiya [Theory and Practice of Social Development]. 2013. No. 1. P. 59-61. (in Russ.)
15. Borisova L. G., Solodova G. S., Fadeeva O. P., Kharchenko I. I. Neformal'nyy sektor: ekonomicheskoye povedeniye detey i vzroslykh [The Informal Sector: Economic Behavior of Children and Adults]. Novosibirsk. Novosibirskiy gos. un-t [Novosibirsk State University]. 2001. 183 p. (in Russ.)
16. Sokolova G. N. Ekonomicheskaya sotsiologiya [Economic Sociology]. Textbook for universities. Minsk. Vysheyshaya shkola [Higher School]. 1998. 368 p. (in Russ.)
17. Yanbulatova O. Yu. Ekonomicheskaya kul'tura kak faktor sotsial'no-ekonomicheskogo razvitiya [Economic culture as a factor of socio-economic development]. Cand. Dissert. Kostroma. 2000. Available at: https://www.dissercat.com/content/ekonomicheskaya-kultura-kak-faktor-sotsialno-ekonomicheskogo-razvitiya (Accessed: 01 June 2019). (in Russ.)
18. Milov L. V. Prirodno-klimaticheskiy faktor i mentalitet russkogo krest'yanstva [Natural and climatic factor and mentality of the Russian peasantry]. Obshchestvennyye nauki i sovremennost' [Social Sciences and Contemporary World]. 1995. No. 1. P. 77-78. (in Russ.)
19. Klyuchevsky V. O. Kurs russkoy istorii [Russian History Course]. Available at: http://www.spsl.nsc.ru/history/kluch/kluch17.htm (Accessed: 10 March 2021). (in Russ.)
20. Rulan N. Yuridicheskaya antropologiya [Legal Anthropology]. Textbook for universities. Moscow. NORMA. 2000. 310 p. (in Russ.)
21. Uspensky B. A. Filologicheskiye razyskaniya v oblasti slavyanskikh drevnostey [Philological Research in the Field of Slavic Antiquities]. Moscow. Izd-vo Moskovskogo un-ta [Publishing house of Moscow University]. 1982. 248 p. (in Russ.)
22. Shulyndin B. P. Rossiyskiy mentalitet v stsenariyakh peremen [Russian mentality in the scenarios of change]. Sotsis [Sociological Studies] 1999. No. 12. P. 51-53. (in Russ.)
23. Investitsionno-sberegatel'nyye strategii vysokodokhodnykh grupp naseleniya [Investment and Saving Strategies of High-Income Groups of Population]. Eds. O. A. Aleksandrova, A. V. Yarasheva. Moscow. Econ-Inform. 2016. (in Russ.)
24. Aleksandrova O. A. Problemy dolgosrochnogo planirovaniya kadrovykh potrebnostey prioritetnykh otrasley ekonomiki [Issues with long-term planning of HR needs in priority industries]. Ekonomicheskoye vozrozhdeniye Rossii [EconomicRevival of Russia]. 2019. No. 1. P. 53-57. (in Russ.)
Article
Received: 25.03.2021
Accepted: 15.06.2021
Citation Formats
Other cite formats:
APA
Aleksandrova, O. A. (2021). Economic culture as a factor in the financial behavior of Russians: the role of archetypes and modern context. Population, 24(2), 29-40. https://doi.org/10.19181/population.2021.24.2.3
Section
QUALITY, STANDARDS AND CONDITIONS OF LIFE
