Financial Education of Russians: Classification of Target Groups
Research Article
How to Cite
Alikperova N.V. Financial Education of Russians: Classification of Target Groups. Living Standards of the Population in the Regions of Russia. 2020. Vol. 16. No. 2. P. 42-50. DOI: https://doi.org/10.19181/lsprr/2020.16.2.4 (in Russ.).
Abstract
The Object of the Study. The population of the Russian Federation divided into target groups. The Subject of the Study. Financial education of Russians, taking into account the characteristics of various target groups. The Purpose of the Study. Clarification of target groups of Russian citizens for the implementation of the financial education strategy. The Main Provisions of the Article. In today's reality, financial literacy is becoming a necessary skill for personal and social well-being. In the conditions of active development of the financial market, increasing financial literacy of the population provides citizens with the opportunity not only to effectively use various financial products and services, make profitable economic decisions, but also to be full participants in the entire socioeconomic system of the state. However, currently there is a fairly low level of financial literacy of Russians, and this trend is observed from year to year, due to the complexity of the financial market as a whole, an erroneous idea of the essence of certain concepts, and as a result, the construction of financial strategies in accordance with this understanding, and this may indirectly indicate the inefficiency of the current system for improving financial literacy of Russian citizens. To implement the strategy of improving financial literacy of the population, first of all, it is necessary to clearly understand who will receive the training. It is a well-thought-out classification of target groups that is the basis for building a system of financial education, forming a methodological basis, training specialists to broadcast financial knowledge and creating educational channels. According to the author, it is recommended to clarify and supplement the existing classification of target groups, approved by the current strategy for improving financial literacy in the Russian Federation for 2017-2023, by including such categories of citizens as preschoolers, citizens with disabilities, vulnerable segments of the population (orphans, children in orphanages and boarding schools), as well as to clarify the current structure of the "adult population" group, dividing it into low-income citizens and families, and citizens with medium and high incomes (including families). In addition, it is recommended to divide each target group by the level of available financial knowledge and skills, which will allow you to create a targeted, personalized, thoughtful training system that promotes financial literacy, awareness as well as evaluate the results of such training.
Keywords:
financial literacy, financial behavior of the population, target groups, financial education, financial institutions.
References
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17. Adele Atkinson, Flore-Anne Messy. Promoting Financial Inclusion through Financial Education: OECD/INFE Evidence, Policies and Practice. OECD Working Papers on Finance, Insurance and Private Pensions No. 34. Pp.55. https://dx.doi.org/10.1787/5k3xz6m88smp-en
18. Adele Atkinson, Flore-Anne Messy, Lila Rabinovich, Joanne Yoong. Financial Education for Long-term Savings and Investments: Review of Research and Literature. OECD Working Papers on Finance, Insurance and Private Pensions No. 39. Pp.35. https://dx.doi.org/10.1787/5jrtgzfl6g9w-en
19. Hastings J., Madrian B., Skimmyhorn W. Financial literacy, financial education and economic outcomes. National Bureau of Economic Research, 2012. №. w18412. // https://www.nber.org/papers/w18412.pdf.
2. Alikperova N.V. Aktual'nost' formirovaniya finansovoj kul'tury rossijskoj molodezhi //Sbornik trudov Mezhdunarodnoj nauchno-prakticheskoj konferencii «Innovacionnye processy v nacional'noj ekonomike i social'no-gumanitarnoj sfere». G. Belgorod, 31 yanvarya 2018. S. 42-44.
3. Alikperova N.V. Social'no-demograficheskie osobennosti finansovogo povedeniya detej i podrostkov v Rossii //Ekonomika i predprinimatel'stvo. 2017. № 1 (78). S. 149-157.
4. Artem'eva S. S., Mitrohin V. V. Ocenka finansovoj gramotnosti rossijskoj i zarubezhnoj molodezhi i rekomendacii po ee povysheniyu // Integraciya obrazovaniya. 2018. T. 22, № 1. S. 46‒59. DOI: 10.15507/1991-9468.090.022.201801.046-059
5. Baginov I.P., Bulatova V.B., Burlov D. YU., Kuklina S. K., Malanov V. I., YAkovleva I. A. Problemy povysheniya urovnya finansovoj gramotnosti invalidov v kontekste snizheniya zakreditovannosti naseleniya v Respublike Buryatiya // Molodoj uchenyj. 2017. № 13 (147). S. 247-250. — URL: https://moluch.ru/archive/147/41351/ (data obrashcheniya: 14.04.2020).
6. Bank Rossii. Osnovy finansovoj gramotnosti. Metodicheskie rekomendacii po razrabotke i realizacii programmy kursa v obshcheobrazovatel'nyh organizaciyahhttps://fincult.info/prepodavanie/base/nachalnoe-osnovnoe-i-srednee-obshchee-obrazovanie/6339/ (data obrashcheniya: 14.04.2020)
7. Belekhova G.V., Kalachikova O.N. «Vek zhivi – vek uchis'»: konceptual'nyj diskurs o finansovoj gramotnosti naseleniya // Ekonomicheskie i social'nye peremeny: fakty, tendencii, prognoz. - 2018. - T. 11. - № 6. - S. 143-162.
8. Ivanova I.V. Finansovaya gramotnost' obuchayushchihsya: sovremennye podhody k formirovaniyu finansovoj gramotnosti kak obrazovatel'nogo rezul'tata //V sbornike trudov Vserossijskoj nauchno-prakticheskoj konferencii «Tradicionnaya i innovacionnaya nauka: istoriya, sovremennoe sostoyanie, perspektivy». G. Ufa, 2019. S. 242-245.
9. Kuznecov O.V., Rodionova M.E., Korablin YU.A. Analiz celevyh grupp finansovoj gramotnostina osnove strategii povysheniya finansovoj gramotnosti v Rossijskoj Federacii //Problemy analiza riska. 2019. T.6. №6. S.90-100.
10. Nacional'noe Agentstvo Finansovyh Issledovanij https://nafi.ru/analytics/rossiyane-stali-vyshe-otsenivat-svoy-uroven-finansovoy-gramotnosti/ (data obrashcheniya: 14.04.2020)
11. Povyshenie finansovoj gramotnosti naseleniya: mezhdunarodnyj opyt i rossijskaya praktika. Sbornik materialov / A.V. Zelencova, E.A. Bliskavka, D.N. Demidov. — M., 2011. — 108 s.
12. Razov P.V., Alikperova N.V. Vliyanie cifrovizacii na finansovoe povedenie: riski i vozmozhnosti // Sbornik trudov V Mezhdunarodnoj nauchno-prakticheskoj konferencii «Dohody, raskhody, sberezheniya naseleniya: tendencii i perspektivy». G. Moskva, 03 dekabrya 2019 g. [Pod nauch. red. A.V. YArashevoj, O.A. Aleksandrovoj, N.V. Alikperovoj; tekhnich. red. K.V. Vinogradova]. M.: ISEPN FNISC RAN. 2020. – 298 s. S. 209-213.
13. Starchenko E. N., Verzhickij D. G., Kolysheva T. V. Povyshenie finansovoj gramotnosti naseleniya kak faktor resheniya social'nyh problem // Fundamental'nye issledovaniya. 2015. № 6-2. S. 401–405.
14. Strategiya povysheniya finansovoj gramotnosti v Rossijskoj Federacii na 2017—2023 gody (utverzhdena rasporyazheniem Pravitel'stva Rossijskoj Federacii ot 25 sentyabrya 2017 g. № 2039-r).
15. Finansovaya gramotnost' kak faktor povysheniya blagosostoyaniya naseleniya / O. V. Bogomolova [i dr.] //Mezhdunarodnyj zhurnal prikladnyh i fundamental'nyh issledovanij. 2016. № 1, CH. 3. S. 380–383. URL: https://applied-research.ru/ru/article/view?id=8516(data obrashcheniya: 14.04.2020).
16. Fitisov A.V. Informacionno-telekommunikacionnye tekhnologii kak faktor obespecheniya dostupnosti finansovyh uslug dlya lyudej s ogranichennymi vozmozhnostyami zdorov'ya // Sbornik materialov VIII Mezhdunarodnoj nauchno-prakticheskoj konferencii «Arhitektura finansov: illyuzii global'noj stabilizacii i perspektivy ekonomicheskogo rosta» Pod nauchnoj redakciej I.A. Maksimceva, V.G. SHubaevoj, I.YU. Evstaf'evoj. 2019 g. S.221-224.
17. Adele Atkinson, Flore-Anne Messy. Promoting Financial Inclusion through Financial Education: OECD/INFE Evidence, Policies and Practice. OECD Working Papers on Finance, Insurance and Private Pensions No. 34. Pp.55. https://dx.doi.org/10.1787/5k3xz6m88smp-en
18. Adele Atkinson, Flore-Anne Messy, Lila Rabinovich, Joanne Yoong. Financial Education for Long-term Savings and Investments: Review of Research and Literature. OECD Working Papers on Finance, Insurance and Private Pensions No. 39. Pp.35. https://dx.doi.org/10.1787/5jrtgzfl6g9w-en
19. Hastings J., Madrian B., Skimmyhorn W. Financial literacy, financial education and economic outcomes. National Bureau of Economic Research, 2012. №. w18412. // https://www.nber.org/papers/w18412.pdf.
Article
Received: 16.04.2020
Accepted: 15.06.2020
Citation Formats
Other cite formats:
APA
Alikperova, N. V. (2020). Financial Education of Russians: Classification of Target Groups. Living Standards of the Population in the Regions of Russia, 16(2), 42-50. https://doi.org/10.19181/lsprr/2020.16.2.4
Section
ECONOMIC RESEARCH
