Regional Features of the Financial Literacy the Population of the Sverdlovsk Region
Электронный научный архив УРФУ
Информация об архиве | Просмотр оригинала| Поле | Значение | |
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Regional Features of the Financial Literacy the Population of the Sverdlovsk Region
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| Автор |
Razumovskaia, E.
Razumovskiy, D. Ovsyannikova, E. |
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| Описание |
The presented research is devoted to analysis of the principles and optimality criteria for the structure of household financial resources, formed on the basis of surveys of a sample of 5,842 respondents from the Sverdlovsk region based on the author's methodology for assessing the level of financial literacy and the structure of citizens expenses. The initial hypothesis about the influence of the level of financial literacy of the population on the structure of household spending has been verified. Examples of author questionnaires are presented, developed taking into account the methodological support of the Central Bank of the Russian Federation and the NAFR Analytical Centre. The conclusion is substantiated that more financially literate people are inclined to plan income and expenses and are able to evaluate the structure of their expenses from the position of optimality. The study is supplemented by an analysis of an array of statistical information on indicators of the financial situation of the population of the cities of the Sverdlovsk region. The purpose of the study is to verify the relationship between the level of financial literacy of the population of the Sverdlovsk region and the structure of household spending based on a subjective assessment of optimality by respondents. General methodology of this study is a sociological survey, which adapted by the authors from the methods of the Central Bank of Russian Federation and OECD countries for the conditions of the Sverdlovsk region. The scientific message is interfaced with the model of J. Nash. Main results of this research is: 1) the hypothesis about the influence of the level of financial literacy of the population on the optimality of the structure of household spending is substantiated; 2) author principles and optimality criteria for the structure of household financial resources based on cost structure have been developed. © The Authors, published by EDP Sciences. This is an open access article distributed under the terms of the Creative Commons Attribution License 4.0 (http://creativecommons.org/licenses/by/4.0/)
Federal State Budgetary Educational Institution of Higher Education Ministry of Finance of the Sverdlovsk Region Ural State University of Economics The publication was prepared within the framework of a Grant in the form of a subsidy from the Federal State Budgetary Educational Institution of Higher Education «Ural State University of Economics» for the implementation of the functions of a regional center of financial literacy (Agreement with the Ministry of Finance of the Sverdlovsk Region dated April 13, 2020 No. 1) |
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| Дата |
2024-04-08T11:08:11Z
2024-04-08T11:08:11Z 2022 |
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| Тип |
Conference paper
Conference object (info:eu-repo/semantics/conferenceObject) Published version (info:eu-repo/semantics/publishedVersion) |
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| Идентификатор |
Razumovskaia, E, Razumovskiy, D & Ovsyannikova, E 2021, 'Regional Features of the Financial Literacy the Population of the Sverdlovsk Region', E3S Web of Conferences, Том. 295, 01013. https://doi.org/10.1051/e3sconf/202129501013
Razumovskaia, E., Razumovskiy, D., & Ovsyannikova, E. (2021). Regional Features of the Financial Literacy the Population of the Sverdlovsk Region. E3S Web of Conferences, 295, [01013]. https://doi.org/10.1051/e3sconf/202129501013 2555-0403 Final All Open Access; Gold Open Access; Green Open Access https://www.e3s-conferences.org/articles/e3sconf/pdf/2021/71/e3sconf_wfsdi2021_01013.pdf https://www.e3s-conferences.org/articles/e3sconf/pdf/2021/71/e3sconf_wfsdi2021_01013.pdf http://elar.urfu.ru/handle/10995/131587 10.1051/e3sconf/202129501013 85145170558 |
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| Язык |
en
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| Права |
Open access (info:eu-repo/semantics/openAccess)
cc-by https://creativecommons.org/licenses/by/4.0/ https://creativecommons.org/licenses/by/4.0/ |
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application/pdf
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| Издатель |
EDP Sciences
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| Источник |
E3S Web of Conferences
E3S Web of Conferences |
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