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Социально-психологические особенности и уровень финансовой грамотности должников // Socio-Psychological Peculiarities and Level of Financial Literacy of Russian Debtors

Author

Listed:
  • M. Gagarina A.

    (Financial University)

  • A. Shantseva A.

    (Financial University)

  • М. Гагарина А.

    (Финансовый университет)

  • А. Шанцева А.

    (Финансовый университет)

Abstract

This article is devoted to investigation of role of financial literacy and socio-psychological factors in borrowing and debt behavior. Topicality of the problem is caused by necessity to understand the causes, except economic, leading to delays in debt repayment and therefore increasing debt burden. This work presents the basic theoretical approaches to the problem of debtors, debt behavior concepts and connections between debt behavior, financial literacy, social and demographic characteristics and personality traits in accordance with the results of international research. Results of empirical investigation are presented, which reflect differences in financial literacy and socio-psychological characteristics of non-borrowers, borrowers and debtors. In conclusion, debtors do not differ from borrowers, who pay their bills in due course, by social and demographic characteristics, but there is a significant difference in their psychological characteristics. Debtors demonstrate higher tolerance to debts and irrationality in debt behavior and lower level of conscientiousness than non-borrowers and borrowers/payers. Non-borrowers do not differ significantly from borrowers/payers in psychological characteristics but differ significantly from them in socio-demographic characteristics and financial literacy. Results got by the authors are in agreement with the data obtained in Russian and foreign scientific researches. Данная статья посвящена исследованию роли уровня финансовой грамотности и социально-психологических факторов в заимствующем и долговом поведении. Актуальность темы исследования обусловлена необходимостью понимания причин, помимо сугубо экономических, побуждающих лиц к несвоевременному погашению задолженности и приводящих к росту долгового бремени. В работе проанализированы основные теоретические подходы к определению должников и долгового поведения, показана связь долгового поведения с психологическими характеристиками респондентов и их уровнем финансовой грамотности по результатам зарубежных исследований. На основании результатов эмпирического исследования представлены различия по социально-психологическим характеристикам и уровню финансовой грамотности у лиц, не имеющих займов, заемщиков, не имеющих задолженности, и должников. Сделан вывод, что должники не отличаются от заемщиков, своевременно осуществляющих платежи по социальным и демографическим характеристикам, но отличаются от них по психологическим характеристикам. Должники, по сравнению с плательщиками и незаемщиками, имеют более нерациональное долговое поведение и более низкие показатели избегания долгов, а также более низкий уровень сознательности. Лица, не имеющие опыта заимствования, не отличаются от заемщиков-плательщиков по психологическим характеристикам, но отличаются по социально-демографическим характеристикам и по финансовой грамотности. Полученные авторами результаты согласуются с данными других отечественных и зарубежных научных исследований.

Suggested Citation

  • M. Gagarina A. & A. Shantseva A. & М. Гагарина А. & А. Шанцева А., 2017. "Социально-психологические особенности и уровень финансовой грамотности должников // Socio-Psychological Peculiarities and Level of Financial Literacy of Russian Debtors," Review of Business and Economics Studies // Review of Business and Economics Studies, Финансовый Университет // Financial University, vol. 5(2), pages 5-22.
    • Handle: RePEc:scn:00rbes:y:2017:i:2:p:5-22
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    References listed on IDEAS

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