• A
  • A
  • A
  • АБВ
  • АБВ
  • АБВ
  • A
  • A
  • A
  • A
  • A
Обычная версия сайта
  • RU
  • EN
  • HSE University
  • Publications
  • Book chapter
  • Financial Literacy and Protection of Rights of Consumers of Financial Services
  • RU
  • EN
Расширенный поиск
Высшая школа экономики
Национальный исследовательский университет
Priority areas
  • business informatics
  • economics
  • engineering science
  • humanitarian
  • IT and mathematics
  • law
  • management
  • mathematics
  • sociology
  • state and public administration
by year
  • 2028
  • 2027
  • 2026
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011
  • 2010
  • 2009
  • 2008
  • 2007
  • 2006
  • 2005
  • 2004
  • 2003
  • 2002
  • 2001
  • 2000
  • 1999
  • 1998
  • 1997
  • 1996
  • 1995
  • 1994
  • 1993
  • 1992
  • 1991
  • 1990
  • 1989
  • 1988
  • 1987
  • 1986
  • 1985
  • 1984
  • 1983
  • 1982
  • 1981
  • 1980
  • 1979
  • 1978
  • 1977
  • 1976
  • 1975
  • 1974
  • 1973
  • 1972
  • 1971
  • 1970
  • 1969
  • 1968
  • 1967
  • 1966
  • 1965
  • 1964
  • 1963
  • 1958
  • More
Subject
News
September 18, 2026
When Pictures Hinder Understanding: Illustrations May Impede Learning of Abstract Ideas
Illustrations can help remember specific actions but do not always make abstract ideas easier to learn. Researchers from HSE University and Humboldt University compared how people learn from texts with different levels of abstractness. They found that participants remembered illustrations better and performed better on related tasks after reading a multimedia text about yoga asanas than after reading an abstract text about the Nash equilibrium. The findings could help improve the selection of illustrations for educational and informational materials. The study has been published in Learning and Instruction.
September 17, 2026
'I Wish That People Would Place Greater Trust in Science'
When Tatiana Eremicheva chose Fundamental and Computational Linguistics as her field of study, she thought it would be about learning languages. Instead, she discovered it was about helping people. In this interview for the HSE Young Scientists project, she discusses science as a way of understanding the world, billiards as a team-building activity, and why learning to read is not always as easy as it seems.
September 15, 2026
Immunity to Chaos: How Personal Resources Help Us Cope with the Challenges of a Turbulent World
International conflicts, crises and digital overload—the modern world puts our minds to the test every day. Traditional psychology often focuses on the consequences: anxiety, depression, and psychosomatic disorders. But what if we looked at the problem differently—through the lens of the resources that prevent us from breaking down? Psychological immunity is precisely this set of resources. Alena Zolotareva and her group, Psychological Immunity as a Resource for Positive Functioning, are developing an integrative model of this phenomenon, adapting diagnostic tools and preparing for large-scale empirical research. Why do psychologists need to collaborate with medical professionals, and how could their research transform preventive care in clinics and corporations?

 

Have you spotted a typo?
Highlight it, click Ctrl+Enter and send us a message. Thank you for your help!

Publications
  • Books
  • Articles
  • Chapters of books
  • Working papers
  • Report a publication
  • Research at HSE

?

Financial Literacy and Protection of Rights of Consumers of Financial Services

Ch. 34. P. 249–257.
Malyaev V. B., Nazarov A.

Financial literacy is a certain level of knowledge and skills in the financial sector, which in conditions of market economy enables the citizen to rationally assess the real situation and make the right life decisions. The problem of increasing the level of financial literacy in recent years and especially after the aggravation of the global financial crisis has become one of the priority tasks for governments in many countries, including the Russian Federation.

The results of the conducted studies indicate that the level of financial literacy of the Russian population is quite low, as most citizens are poorly oriented in the financial environment and few use the products and services offered by financial institutions. Improving the financial literacy in the Russian Federation will accelerate the development of certain financial instruments and segments of the market economy, implementation of national, regional and municipal programs.

The aim of this article is to present the results of the project on the development and implementation of programs to improve financial literacy at the level of municipal formation (City district of Dzerzhinsk, Nizhny Novgorod region, Russia).  

Language: English
Full text
DOI
Keywords: financial literacyfinancial inclusionprotection of the rights of consumers of financial services

In book

NORDSCI 2019, International Conference on Social Sciences
NORDSCI 2019, International Conference on Social Sciences
Book 2. Issue 2. , SAIMA CONSULT LTD, 2019.
Similar publications
Economic Growth and Sustainable Development: The Role of Financial Inclusion, FinTech, Eco-Innovation, and Economic Complexity
Zhao X., Muhammadullah S., Kazemzadeh E. et al., Sustainable Development 2026 Vol. 34 No. S2 P. 1233–1258
The study examines the nonlinear relationships between sustainable and financial development metrics, including eco-innovation, process eco-innovation, financial development, financial inclusion, FinTech, economic complexity, and economic growth, across eight developing countries from 2000 to 2023. Empirically, it employs quantile-on-quantile regression and wavelet-quantile analysis to demonstrate that economic complexity enhances economic outcomes at elevated quantiles while diminishing ...
Added: November 11, 2025
Финансовая грамотность россиян: взаимосвязь с социально-демографическими и психологическими характеристиками
Kuzina O. E., Abduramanov A., Моисеева Д. В., Вопросы экономики 2024 № 9 С. 107–137
The goal of the study is to reveal the relationship between the financial literacy of Russians and socio-demographic and psychological factors using data from three waves of the All-Russian Panel Survey of Consumer Finances (2018, 2020 and 2022). Fixed effects regression shows that the age of an individual is related non-linearly with financial literacy and ...
Added: September 6, 2024
Financial Inclusion in Turkey: Unpacking the Provincial Inequality and its Determinants
Takmaz S., Sarı E., Sedat Alataş, Applied Economics Letters 2022
This paper investigates the regional disparity of financial inclusion (FI) and its determinants in Turkey from 2004 to 2020. To this end, we first construct a FI index using the principal component analysis. Then, based on the club convergence approach, we test the existence of convergence to show regional disparities in FI. Finally, we examine the main determinants ...
Added: September 27, 2022
Финансовая грамотность в России: результаты исследований последнего десятилетия
Mikheeva S., Скляр М. А., Финансы и бизнес 2019 Т. 15 № 3 С. 23–40
In this paper we undertake an assessment of the rapidly growing body of research on financial literacy by Russian authors, published in the period from 2008 to 2018. The articles are systematized for journals and professional status of authors. Systematic an overview of theoretical and empirical research on financial literacy is presents. The thematic analysis ...
Added: June 14, 2019
Financial Literacy and the Curricularization of Knowledge
Sidorkin A.M., , in: International Handbook of Philosophy of Education.: Springer, 2018. P. 1223–1234.
Added: March 8, 2019
A Bank Run in a Classroom: Do Smart Depositors Withdraw on Time?
Semenova M., / Series WP BRP "Financial Economics". 2018. No. 64/FE/2018.
This paper discusses whether being smart makes depositors less prone to get involved in a panic bank run. We conduct a series of experiments with undergraduate and graduate students from Moscow and Saint-Petersburg, modelling the a-la Diamond-Dybvig deposit market with liquidity shocks, changing macroeconomic conditions and risk-based investment technologies. Our results suggest that withdrawing on ...
Added: January 29, 2018
ИССЛЕДОВАНИЕ УРОВНЯ ФИНАНСОВОЙ ГРАМОТНОСТИ ШКОЛЬНИКОВ НИЖЕГОРОДСКОЙ ОБЛАСТИ
Кузнецов Д. С., Chaprak N., Вестник Воронежского государственного университета. Серия: Экономика и управление 2017 № 2 С. 91–96
The issues of fi nancial education are by far one of the most important in the fi eld of non-formal education. Analysis of the existing studies leads to the conclusion that in the modern world a huge information content remains unsolved the problem of sources and forms of delivering quality information to students. The paper ...
Added: November 22, 2017
Development and Implementation of Regional Programs to Improve the Financial Literacy of Youth
Vladimir Malyaev, , in: 4th International Multidisciplinary Scientific Conference on Social Sciences and Arts. Science&Society. Conference Proceedings. Volume iV. Education and Educational Research.: Sofia: STEF92 Technology Ltd., 2017. Ch. 17 P. 131–138.
The aim of this article is to present the results of the pilot project on the development and implementation of programs to improve financialliteracy of youth at the level of municipal formation. ...
Added: October 23, 2017
Разработка инструмента повышения финансовой грамотности населения
Bukina T. V., Туманова К. И., Evolutio. Общественные науки 2016 № 7 С. 34–46
The urgency and purpose. Low level of financial capability is an actual problem of modern society. This problem directly effects on economic and social growth. Russian and foreign companies confirm that Russians have a low level of financial capability. Based on the Standard&Poors research findings was identified that only 38% of Russians have a high ...
Added: March 13, 2017
Возможности развития микрострахования в России
Tarasova J., Обухов И. М., В кн.: Страхование и управление рисками: проблемы и перспективы.: М.: Проспект, 2017. С. 361–378.
The relevance of the topic is the need to fill existing gaps in the study of micro-insurance. The goal is to identify the key factors and their influence on the development of microinsurance through the regression model. The analysis will be conducted based on the collected data for 69 countries, which include different characteristics: the ...
Added: December 15, 2016
Informal Loans in Russia: Why Not to Borrow from a Bank?
Semenova M., Kulikova V., Review of Pacific Basin Financial Markets and Policies 2016 Vol. 19 No. 3 P. 1650016-1–1650016-41
After the 2008 crisis, the Russian consumer loan market shows high growth rates, accompanied by the quality deteriorating even faster. At the same time, a great proportion of households are not attracted by the banks and borrow informally. In this paper, we aim to learn why households refuse to become bank clients, using the data ...
Added: October 27, 2016
ФИНАНСОВАЯ ГРАМОТНОСТЬ И ФИНАНСОВОЕ ПРОСВЕЩЕНИЕ: ЗАРУБЕЖНАЯ И РОССИЙСКАЯ ПРАКТИКА
Chaprak N., Колтунова П. А., Маркеева А. С., Научное обозрение 2016 № 18 С. 123–126
The article provides an overview and comparative analysis of foreign and domestic research on financial literacy. Presented successful international experience, which may be implemented in the Russian practice of developing programmes to increase levels of financial literacy. In conclusion, the article highlights the benefits and disadvantages of foreign programmes, there are positive prospects for financial ...
Added: October 20, 2016
Финансовая грамотность как необходимый элемент социализации в условиях рыночной экономики
Savitskaya E. V., Профессиональное образование и общество 2016 № 2 (18) С. 182–187
The article demonstrates the importance of financial literacy in the market economy setup and the need to study Personal Finance at various levels of education. It describes the 'learning-by-doing' method of teaching Personal Finance at schools and states the key study objectives. ...
Added: July 3, 2016
DOES BIOLOGICAL ENDOWMENT MATTER FOR DEMAND FOR FINANCIAL SERVICES? EVIDENCE FROM RUSSIAN HOUSEHOLD SURVEY
Semenova M., Andrievskaya I., / NRU Higher School of Economics. Series FE "Financial Economics". 2016. No. WP BRP 52/FE/2016.
There are many studies revealing factors which influence the demand for financial services. However genetic features, determining the individual’s overall postnatal behaviour, have not been studied within this context. This paper extends the previous literature by studying to what extent individual biological endowment, proxied by prenatal testosterone (PT) (measured by the 2D:4D ratio), can determine ...
Added: February 3, 2016
The Financial capability of Russians: Measurement and Policy Implication
Kuzina O. E., / NRU HSE. Series WP9 "Серия WP9 «Исследования по экономике и финансам»". 2015.
This study aims to assess the level of financial literacy of Russians by using the World Bank’s methodology of cross-country comparison developed under the Russia Financial Literacy and Education Trust Fund. The data were collected during the all-Russian survey in October 2014 (N=1,629 respondents). The paper provides a brief description of the methodology and a comparison ...
Added: April 15, 2015
Эффективность взаимодействия «Деловой двадцатки» и «Группы двадцати»
Larionova M. V., Rakhmangulov M., Sakharov A. G. et al., Вестник международных организаций: образование, наука, новая экономика 2013 № 3 С. 92–114
The article reviews the progress of G20-B20 engagement since Toronto to St. Petersburg with the objective to identify which mechanisms and areas of cooperation are most effective to ensure continuity of the B20 efforts on the key priorities, the B20 influence on the G20 decision-making and the G20 compliance with commitments related to the B20 ...
Added: October 6, 2013
Гид по финансовой грамотности
Mamuta M., Ovchinnikov M. A., Курмашева В. В. et al., М.: ЦИПСиР, 2010.
Быстрое и устойчивое развитие экономики страны зависит не только от внедрения новых, более эффективных производственных и финансовых технологий, но и от готовности и способности населения воспринимать и использовать данные технологии. Эффективность участия населения в современной экономике напрямую зависит от понимания того, каким образом можно с выгодой для себя использовать новые финансовые продукты. В данной книге отражены основные виды банковских и финансовых услуг, описанных «изнутри» специалистами. Возможно, это издание — единственная ...
Added: March 25, 2013
  • About
  • About
  • Key Figures & Facts
  • Sustainability at HSE University
  • Faculties & Departments
  • International Partnerships
  • Faculty & Staff
  • HSE Buildings
  • HSE University for Persons with Disabilities
  • Public Enquiries
  • Studies
  • Admissions
  • Programme Catalogue
  • Undergraduate
  • Graduate
  • Exchange Programmes
  • Summer University
  • Summer Schools
  • Semester in Moscow
  • Business Internship
  • Research
  • International Laboratories
  • Research Centres
  • Research Projects
  • Monitoring Studies
  • Conferences & Seminars
  • Academic Jobs
  • Yasin (April) International Academic Conference on Economic and Social Development
  • Media & Resources
  • Publications by staff
  • HSE Journals
  • Publishing House
  • iq.hse.ru: commentary by HSE experts
  • Library
  • Economic & Social Data Archive
  • Video
  • HSE Repository of Socio-Economic Information
  • HSE1993–2026
  • Contacts
  • Copyright
  • Privacy Policy
  • Site Map
Edit