voprecotestВопросы экономикиVoprosy Ekonomiki0042-8736Voprosy Ekonomiki, NP10.32609/0042-8736-2015-8-129-148voprecotest-110Research ArticleОРГАНИЗАЦИЯ ЭКОНОМИЧЕСКОЙ НАУКИ В РОССИИФинансовая грамотность и финансовая компетентность: определение, методики измерения и результаты анализа в РоссииFinancial literacy and financial capability: definitions, measurement methods, and analysis in the case of RussiaКузинаО. Е.KuzinaO.

к. э. н., доктор социологии (PhD), профессор НИУ ВШЭ (Москва)

kuzina@hse.ruНИУ ВШЭ (Москва)РоссияNational Research University Higher School of Economics (Moscow, Russia)Russian Federation20152008201508129148Copyright © Voprosy Ekonomiki, NP, 20152015Voprosy Ekonomiki, NPVoprosy Ekonomiki, NPhttps://www.vopreco.ru/jour/about/submissions#copyrightNoticehttps://www.vopreco.ru/jour/article/view/110

Основной целью исследования является измерение уровня финансовой компетентности россиян. В статье рассмотрены различные подходы к измерению финансовой грамотности и финансовой компетентности населения, представлены результаты опроса населения с использованием международной методологии, разработанной в рамках проекта Российского фонда финансовой грамотности и образования. Исследуются планирование расходов и выполнение этих планов, формирование финансовых резервов для крупных запланированных или неожиданных трат, контроль над истраченными деньгами, отказ большинства населения от ведения письменного учета своих доходов и расходов, отсутствие установок на сбережение и короткие горизонты планирования.

The main purpose of the study is to assess the level of financial capability of Russians by using the methodology of cross country comparison developed by the Russia Financial Literacy and Education Trust Fund. The paper gives a brief description of the methodology of financial literacy and financial capability measurements, as well as the results of the survey in Russia. From the analysis of the survey data, it is concluded that the weak areas of the financial capability of Russians concern issues related to planning of expenses and keeping these plans completed, creating reserves to pay for major planned or unexpected expenditures, lack of control over money spent using written records of incomes and expenses, developing regular saving habits, and lengthening time horizons.

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The authors declare that there are no conflicts of interest present.