vestreaВестник Российского экономического университета имени Г. В. ПлехановаVestnik of the Plekhanov Russian University of Economics2413-28292587-9251Plekhanov Russian University of Economics10.21686/2413-2829-2026-2-153-165vestrea-2696Research ArticleФИНАНСЫFINANCEРоль финансовой грамотности в обеспечении устойчивого развития страныThe Role of Finance Literacy in Ensuring Sustainable Development of the CountryНиконецО. Е.NikonetsO. E.

Олеся Евгеньевна Никонец - кандидат экономических наук, доцент, ведущий научный сотрудник Ситуационного центра социально-экономического развития регионов России

241050, Брянск, ул. Бежицкая, д. 8

Olesia E. Nikonets - PhD, Assistant Professor, Leading Researcher at the Situational Center for Socio-Economic Development of Russian Regions

8 Bezhitskaya Str., Bryansk, 241050, Russian Federation

nikon4832@mail.ruБрянский филиал Российского экономического университета имени Г. В. ПлехановаРоссияBryansk branch of the Plekhanov Russian University of EconomicsRussian Federation20263103202602153165Copyright © Никонец О.Е., 20262026Никонец О.Е.Nikonets O.E.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://vest.rea.ru/jour/article/view/2696

Предметом настоящей статьи является исследование концептуальных особенностей финансовой грамотности и степени ее влияния на финансовое поведение населения, устойчивое развитие экономической системы. В статье представлен обзор эволюции финансового образования. Приведена оценка уровня финансовой грамотности россиян с учетом данных Банка России, агентства НАФИ, исследований Ресурсного центра волонтеров финансового просвещения Брянского региона. В ходе исследования выявлено, что финансовая грамотность влияет на сглаживание потребления. В первую очередь это происходит за счет сбережений и их диверсификации. С точки зрения региона и государства повышение финансовой грамотности, несомненно, позволяет увидеть на финансовом рынке рациональных инвесторов, взвешивающих все риски и диверсифицирующих вложения.

The subject of the present article is study of conceptual specificities of finance literacy and its impact on finance behavior of the population, sustainable development of the economic system. The article provides a review of finance education evolution. The level of finance literacy was estimated with regard to data of the Bank of Russia, NAFI Agency and investigations of the Resource Centre of volunteers of finance education in the Bryansk region. The research showed that finance literacy impacts consumption smoothing. First of all it takes place due to savings and their diversification. In view of state and region improving of finance literacy can allow us to see on finance market rational investors assessing all risks and diversifying investment.

финансовая культурафинансовое образованиепотреблениефинансовое поведениеfinance culturefinance educationconsumption finance behaviorReferencesНиконец Ф. О. Финансовая грамотность через игру: инновационные подходы в обучении школьников и студентов: монография. – М.: Русайнс, 2025.Nikonets F. O. Finansovaya gramotnost cherez igru: innovatsionnye podkhody v obuchenii shkolnikov i studentov: monografiya [Finance Literacy through Game: Innovation Approaches in Learning Schoolchildren and Students: monograph]. Moscow, Rusayns, 2025. (In Russ.).Ayaa M. M., Peprah W. K. Gender Difference in Investment Decision Making: Evidence from Ghana // International Journal of Economics, Commerce, and Management. – 2021. – Vol. 9. – N 4. – P. 415–425.Ayaa M. M., Peprah W. K. Gender Difference in Investment Decision Making: Evidence from Ghana. International Journal of Economics, Commerce, and Management, 2021, Vol. 9, No. 4, pp. 415–425.Arianti B. F. The Influence of Financial Literacy, Financial Behavior and Income on Investment Decision // Economics and Accounting Journal. – 2018. – Vol. 1. – N 1. – P. 1–10.Arianti B. F. The Influence of Financial Literacy, Financial Behavior and Income on Investment Decision. Economics and Accounting Journal, 2018, Vol. 1, No. 1, pp. 1–10.Chaiken Sh. Heuristic versus Systematic Information Processing and the Use of Source versus Message Cues in Persuasion // Journal of Personality and Social Psychology. – 1980. – Vol. 39. – N 5. – P. 752–766.Chaiken Sh. Heuristic versus Systematic Information Processing and the Use of Source versus Message Cues in Persuasion. Journal of Personality and Social Psychology, 1980, Vol. 39, No. 5, pp. 752–766.Drever A. I., Else-Quest N. M. Financial Literacy among Children: Supporting the Achievement of Financial Well-Being in Adulthood // The Routledge Handbook of Financial Literacy / edited by J. L. Gastaldo et al. – Routledge, 2021. – P. 18–30.Drever A. I., Else-Quest N. M. Financial Literacy among Children: Supporting the Achievement of Financial Well-Being in Adulthood. The Routledge Handbook of Financial Literacy, edited by J. L. Gastaldo et al. Routledge, 2021, pp. 18–30.Drexler A., Fischer G., Schoar A. Keeping it Simple: Financial Literacy and Rules of Thumb // American Economic Journal: Applied Economics. – 2014. – Vol. 6. – N 2. – P. 1–31.Drexler A., Fischer G., Schoar A. Keeping it Simple: Financial Literacy and Rules of Thumb. American Economic Journal: Applied Economics, 2014, Vol. 6, No. 2, pp. 1–31.Farida M. N., Soesatyo Y., Aji T. S. Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior // International Journal of Education and Literacy Studies. – 2021. – Vol. 9. – N 1. – P. 86–95.Farida M. N., Soesatyo Y., Aji T. S. Influence of Financial Literacy and Use of Financial Technology on Financial Satisfaction through Financial Behavior. International Journal of Education and Literacy Studies, 2021, Vol. 9, No. 1, pp. 86–95.Fernandes D., Lynch Jr. J. G., Netemeyer R. G. Financial Literacy, Financial Education, and Downstream Financial Behaviors // Management Science. – 2014. – N 60 (8). – P. 1861–1883.Fernandes D., Lynch Jr. J. G., Netemeyer R. G. Financial Literacy, Financial Education, and Downstream Financial Behaviors. Management Science, 2014, No. 60 (8), pp. 1861–1883.Gosal R., Astuti D., Evelyn E. Influence of Self-Esteem and Objective Knowledge Financial of the Financial Behavior in Young Adults with Subjective Financial Knowledge Mediation as Variable // International Journal of Financial and Investment Studies (IJFIS). – 2021. – Vol. 2. – N 2. – P. 56–64.Gosal R., Astuti D., Evelyn E. Influence of Self-Esteem and Objective Knowledge Financial of the Financial Behavior in Young Adults with Subjective Financial Knowledge Mediation as Variable. International Journal of Financial and Investment Studies (IJFIS), 2021, Vol. 2, No. 2, pp. 56–64.Haryono A., Handayani S., Satrio Y. D., Munir S., Narmaditya B. S. Economic Learning Education and Financial Literacy among Indonesian Students // Pegem Journal of Education and Instruction. – 2022. – Vol. 12. – N 3. – P. 106–110.Haryono A., Handayani S., Satrio Y. D., Munir S., Narmaditya B. S. Economic Learning Education and Financial Literacy among Indonesian Students. Pegem Journal of Education and Instruction, 2022, Vol. 12, No. 3, pp. 106–110.Herawati N. T., Candiasa I. M., Yadnyana I. K., Suhrsono N., Hawar I. G., Sarwar H. Factors that Influence Financial Behavior among Accounting Students in Bali // International Journal of Business Administration. – 2018. – Vol. 9. – N 3. – P. 30–38.Herawati N. T., Candiasa I. M., Yadnyana I. K., Suhrsono N., Hawar I. G., Sarwar H. Factors that Influence Financial Behavior among Accounting Students in Bali. International Journal of Business Administration, 2018, Vol. 9, No. 3, pp. 30–38.Hilgert M. A., Hogarth J. M., Beverly S. G. Household Financial Management: The Connection between Knowledge and Behavior // Federal Reserve Bulletin. – 2003. – Vol. 89. – N 7. – P. 309–322.Hilgert M. A., Hogarth J. M., Beverly S. G. Household Financial Management: The Connection between Knowledge and Behavior. Federal Reserve Bulletin, 2003, Vol. 89, No. 7, pp. 309–322.Iramani R., Lutfi L. An Integrated Model of Financial Well-Being: The Role of Financial Behavior // Accounting. – 2021. – Vol. 7. – N 3. – P. 691–700.Iramani R., Lutfi L. An Integrated Model of Financial Well-Being: The Role of Financial Behavior. Accounting, 2021, Vol. 7, No. 3, pp. 691–700.Kadoya Y., Khan M. S. R. Financial Literacy in Japan: New Evidence Using Financial Knowledge, Behavior, and Attitude // Sustainability. – 2020. – Vol. 12. – N 9. – P. 3683.Kadoya Y., Khan M. S. R. Financial Literacy in Japan: New Evidence Using Financial Knowledge, Behavior, and Attitude. Sustainability, 2020, Vol. 12, No. 9, p. 3683.Kahneman D., Tversky A. Prospect Theory: An Analysis of Decision under Risk // Econometrica. – 1979. – Vol. 47. – N 2. – P. 263–292.Kahneman D., Tversky A. Prospect Theory: An Analysis of Decision under Risk. Econometrica, 1979, Vol. 47, No. 2, pp. 263–292.Kaiser T., Menkhoff L. Does Financial Education Impact Financial Literacy and Financial Behavior, and If So, When? // The World Bank Economic Review. – 2017. – Vol. 31. – N 3. – P. 611–630.Kaiser T., Menkhoff L. Does Financial Education Impact Financial Literacy and Financial Behavior, and If So, When? The World Bank Economic Review, 2017, Vol. 31, No. 3, pp. 611–630.Kawamura T., Mori T., Motonishi T., Ogawa K. Is Financial Literacy Dangerous? Financial Literacy, Behavioral Factors, and Financial Choices of Households // Journal of the Japanese and International Economies. – 2021. – Vol. 60. – P. 101131.Kawamura T., Mori T., Motonishi T., Ogawa K. Is Financial Literacy Dangerous? Financial Literacy, Behavioral Factors, and Financial Choices of Households. Journal of the Japanese and International Economies, 2021, Vol. 60, p. 101131.Khan K. A., Çera G., Pinto Alves S. R. Financial Capability as a Function of Financial Literacy, Financial Advice, and Financial Satisfaction // E+M Ekonomie a Management. – 2022. – Vol. 25 (1). – P. 143–160.Khan K. A., Çera G., Pinto Alves S. R. Financial Capability as a Function of Financial Literacy, Financial Advice, and Financial Satisfaction. E+M Ekonomie a Management, 2022, Vol. 25 (1), pp. 143–160.Maynard N. W., Mehta P., Parker J., Steinberg J. Can games build financial capability? Financial entertainment: A research overview // Financial Literacy Center Working Paper. – 2012. – URL: https://www.finlitcenter.org/wp-content/uploads/2012/10/Can-Games-BuildFinancial-Capability_Financial-Entertainment_A-Research-Overview.pdf (дата обращения: 05.02.2026).Maynard N. W., Mehta P., Parker J., Steinberg J. Can games build financial capability? Financial entertainment: A research overview. Financial Literacy Center Working Paper, 2012. Available at: https://www.finlitcenter.org/wp-content/uploads/2012/10/Can-Games-BuildFinancial-Capability_Financial-Entertainment_A-Research-Overview.pdf (accessed 05.02.2026).Riyazahmed D. K. Does financial behavior influence financial well-being? // Journal of Asian Finance, Economics and Business. – 2021. – Vol. 8. – N 4. – P. 943–952.Riyazahmed D. K. Does financial behavior influence financial well-being? Journal of Asian Finance, Economics and Business, 2021, Vol. 8, No. 4, pp. 943–952.Zvereva V., Sinyakov A., Shelovanova T. Financial Literacy and Responsible Financial Behaviour of Russian Households. – M. : Bank of Russia, 2024.Zvereva V., Sinyakov A., Shelovanova T. Financial Literacy and Responsible Financial Behaviour of Russian Households. Moscow, Bank of Russia, 2024.

The authors declare that there are no conflicts of interest present.