Regional aspects of increasing accessibility financial services for the population
https://doi.org/10.34020/1993-4386-2024-4-95-101
Abstract
Ensuring the availability of financial services at the regional level depends on external and internal factors, including the demands of society as a whole, the needs of citizens, small and medium-sized enterprises (SMEs) to expand opportunities for obtaining financial services in municipalities of the regions. The fundamental goal of the state is to neutralize the influence of external and internal factors, which will not only ensure the financial security of an individual, but of the country as a whole.
The analysis and assessment of the level of accessibility of financial services in the country's hotel region allows us to identify the features that affect the current state and systematize the directions of its provision. Monitoring the availability of financial services makes it possible to develop and implement a set of measures taking into account the specifics of the socio-economic situation of the municipality. Special attention should be paid to the availability of financial services in remote areas. The effectiveness of implemented measures largely depends on the objectivity of the assessment of the existing infrastructure, which determines the direction of the developed measures.
About the Authors
E. M. Lubkova
Kuzbass State Agrarian University
Russian Federation
Russian Federation
Elmira M. Lubkova – Doctor of Economics, Professor, Dean of the Faculty of Rural Development Management
Kemerovo
G. S. Ermolaeva
Kuzbass State Agrarian University
Russian Federation
Russian Federation
Galina S. Ermolaeva – Candidate of Economic Sciences, Acting Head of the Department of Agrarian Policy and Municipal Management
Kemerovo
S. A. Shelkovnikov
Novosibirsk State Agrarian University
Russian Federation
Russian Federation
Sergey A. Shelkovnikov – Doctor of Economics, Professor, Professor of the Department of Accounting and Financial Technologies
Novosibirsk
V. I. Goncharova
Ministry of Finance of Kuzbass
Russian Federation
Russian Federation
Vera I. Goncharova – Deputy Minister of Finance of Kuzbass
Kemerovo
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Review
For citations:
Lubkova E.M., Ermolaeva G.S., Shelkovnikov S.A., Goncharova V.I. Regional aspects of increasing accessibility financial services for the population. Siberian Financial School. 2024;(4):95-101. (In Russ.) https://doi.org/10.34020/1993-4386-2024-4-95-101
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