Взаимосвязь образования и финансового поведения

Abstract

The article considers the issue of the relationship between higher education and financial behavior of citizens of the Russian Federation. The points of view formed in the scientific literature on the factors determining the rationality of financial behavior. In addition, the role of education and training as a tool for the formation of responsible financial behavior of the population are presented. The observed manifestation of financial behavior was the demand for financial services provided by the Central Bank of the Russian Federation, as well as data on the availability of higher education, which were reflected in the All-Russian Population Census of 2020. As a result of the study, five groups of indicators were formed: accounts of individuals; placement of funds by individuals; loans /loans of individuals; payment services; insurance. The calculations were carried out in the context of the Federal Districts of the Russian Federation and allowed us to identify the following connections: strong direct (fixed for all groups of indicators), average direct (all except insurance), feedback (placement of funds by individuals; loans/loans of individuals) and weak communication (accounts of individuals; placement of funds by individuals; loans/loans of individuals). The presence of higher education shows a noticeable connection with the consumption by households and individuals of such services as: remote service and non-cash payments, exchange investments, deposits in banks, insurance protection. The level of involvement in interaction with the banking system, loans and overdue debts in non-bank financial organizations are at a comparable level in all federal districts. The higher the level of education, the lower the interest in such services as: placement of funds in micro-credit organizations and credit consumer cooperatives, loans that are small in volume and time taken in credit consumer cooperatives without the use of remote technologies. The assumption that higher education helps residents of Russia to make long-term decisions, avoid mistakes and follow models of responsible financial behavior has been empirically confirmed.