Issues of increase in financial literacy of students of higher educational institutions of financial and economic orientation [Вопросы повышения финансовой грамотности студентов высших учебных заведений финансово-экономической направленности] | Научно-инновационный портал СФУ

Issues of increase in financial literacy of students of higher educational institutions of financial and economic orientation [Вопросы повышения финансовой грамотности студентов высших учебных заведений финансово-экономической направленности]

Тип публикации: статья из журнала

Год издания: 2019

Идентификатор DOI: 10.32744/pse.2019.5.10

Ключевые слова: Financial literacy, General educational program, Professional standard

Аннотация: Financial literacy of the population, including such a social group as students, determines the level of development of the state economy. Ignorance of the basics of financial literacy can lead to serious risks not only for individual credit, insurance companies and their clients, but also for society as a whole. For this reason, a number of countries are implementing programs to improve the financial literacy of the population. Knowledge of financial fundamentals leads to a reduction in cases of overdue loans, reducing the number of cases of financial fraud and eliminates the population from buying unprofitable financial products. Empirical method of research, which consisted in conducting a survey of students of higher educational institutions of economic areas, their competence in the field of financial literacy, as well as the desire to acquire it, was evaluated. After processing the questionnaires by a statistical method, it was revealed that most of the respondents did not fully possess the skills of financial literacy, but they express their readiness to acquire them. In exemplary general educational programs, financial literacy competencies are not sufficiently represented; therefore, they need to be developed, moreover in conjunction with general theoretical training. In connection with the above, the following measures are necessary: firstly, it is advisable to introduce additional general cultural competence “The ability to use the basics of economic knowledge, including the basics of financial literacy, in various fields of activity”, which should be disclosed in the educational programs of economics students; secondly, the development of competence in financial literacy should be carried out taking into account the National Qualifications Framework, and therefore it is necessary first to uncover the practical part of financial literacy issues (in the undergraduate system), and only then in the magistracy to immerse the student in the general theoretical part (economic theories); thirdly, the role of various institutions, in particular, non-state pension funds in enhancing the financial literacy of the population and others, is shown. © 2019 LLC Ecological Help. All rights reserved.

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Издание

Журнал: Perspektivy Nauki i Obrazovania

Выпуск журнала: Vol. 41, Is. 5

Номера страниц: 130-146

ISSN журнала: 23072334

Издатель: LLC Ecological Help

Авторы

  • Brovchak S.V. (Departament of insurance and economy of the social sphere Financial University, Moscow, Russian Federation)
  • Selivanova M.A. (Departament of insurance and economy of the social sphere Financial University, Moscow, Russian Federation)
  • Sochneva E.N. (Siberian Federal University, Irkutsk, Russian Federation, FEIF Saint-Petersburg State University of Economics, St. Petersburg, Russian Federation)
  • Firsanova O.V. (FEIF Saint-Petersburg State University of Economics, St. Petersburg, Russian Federation)
  • Tsyganov A.A. (Department Insurance and Social Economics, Financial University, Moscow, Russian Federation)
  • Shubayeva V.G. (Saint-Petersburg State University of Economics, St. Petersburg, Russian Federation)

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