К ВОПРОСУ ОБЕСПЕЧЕНИЯ ФИНАНСОВОЙ ДОСТУПНОСТИ В КОНТЕКСТЕ СОВРЕМЕННОЙ ТЕОРИИ ФИНАНСОВОГО РАЗВИТИЯ

Abstract

The article is devoted to the consideration of a number of relevant issues of modern financial development theory and financial inclusion, whose enquiries to improve the methodology of practical regulation and theoretical basis have recently become increasingly popular both in the scientific environment and the real sector of the economy. The paper examines the necessity of interpreting financial development at the current stage of formation of its theory directly in the paradigm of sustainability for the purposes of compliance with the current global economic challenges. The author considers historical aspects of the development of the current conjuncture of financial inclusion in Russia and determines the most significant factors in the evolution of financial inclusion by means of regression analysis. In the course of the research the features of financial inclusion are studied from the point of view of the possibility of its excessiveness and the existence of financial inclusion boundaries is confirmed. The article points out the risks and risk-forming factors characteristic of financial inclusion, which increase in the course of implementation of measures by the regulator and financial institutions to improve financial inclusion, and formulates a number of recommendations to harmonise financial inclusion in Russia and reduce the impact of negative effects from the consequences of the identified risks and threats.