Підвищення рівня фінансової грамотності населення України

Abstract

У публікації аналізується сучасний стан інвестиційної активності населення України. Досліджується зв’язок між рівнем фінансової грамотності населення та рівнем інвестиційної активності населення. Запропоновано перелік нововведень для підвищення рівня фінансової грамотності населення (за віковими групами).

В публикации анализируется современное состояние инвестиционной активности населения Украины. Исследуется связь между уровнем финансовой грамотности населения и уровнем инвестиционной активности населения. Предложен перечень нововведений для повышения уровня финансовой грамотности населения (по возрастным группам).

The problem. For the present time, sharp actuality gets the problem of involving to the state economy as the financial resort people’s temporary free money. Though the level of financial competence of people stays low, that is the reason for the low financial competence of people. The aim of work is in the improvement of theoretical and methodological basis of the increasing of financial competence of Ukrainian people (distributed according to their age). Main results of the research. In this article the dynamics of incomes and savings of the Ukrainian households during 2005-2013 is analyzed. It is found out that under the influence of some external and internal circumstances households prefer to save extra money out of financial institutions and business. Various approaches to the notion “financial competence” are examined; components of financial competence are given. The results of some social polls are analyzed that brought to the conclusion that the level of financial competence of the majority of Ukrainians stays low, that in its turn almost does not let people use the investment services of financial institutions. It is proved that school and pre-school financial education is aimed not only at getting the financial competence by children but also at giving the opportunity to their parents to acquire the same knowledge together with children (through the group lessons, games, and home assignment, consisting in planning the family budget). To increase the level of financial competence, it is given the set of innovations, which let to involve in this process all age groups of people from the pre-school age till the pension age. Conclusions. The set of innovations for the increasing the financial competence which let to involve into this process all age groups of people from the pre-school age till the pension age is elaborated and systematized. This given program will become the effective continuation of the started by the National Bank of Ukraine experimental activities concerning the extra studies, devoted to the special features in the family budget organization and money investment, on the basis of the senior classes at school and in the vocation establishments.