Eng During last 365 days Approved articles: 2039,   Articles in work: 262 Declined articles: 867 
Library
Articles and journals | Tariffs | Payments | Your profile

Back to contents

Banking Pension Investment: the Problem of Riskogenic Evaluation
Abramova Sof'ya Borisovna

PhD in Sociology

associate professor of the Department of Applied Social Studies at Ural Federal University named after the First President of Russia B. N. Yeltsin

620083, Russia, Yekaterinburg, str. Lenin's prospect, 51, of. 328

sofia_abramova@mail.ru
Vlasova Ol'ga Ivanovna

PhD in Sociology

associate professor of the Department of Social Studies and Social Work at Russian State Vocational Pedagogical University 

620012, Russia, Yekaterinburg, str. Mashinostroitelei, 11, of. 0-410

Vlasovaolga@list.ru
Abstract. The object of this research is the banking pension investment and the subject of the research is the analysis and evaluatino of banking and investment risks by consumers of banking services. The authors of the article discuss approaches to understanding risk as a phenomenon of modern life and specifics of sociological analysis of risks in relation to the banking services market and pension investment. The authors offer a model for evaluation of risks by banking services consumers as a ground for understanding models of pension investments. The authors also raise a question about criteria and degree of rationality of consumer behavior aimed at evaluation of banking risks and their minimization. The article provides results of the sociological survey that involved clients of Yekaterinburg banks. The respondents aged 18 - 55 years. The purpose of the survey was to define factors that influence their choice of a bank, evaluated risks, trust in banking and financial systems, planned sources of pension. The results of the research have allowed to classify all consumers into groups depending on their attitude to risky banking operations as well as to fix a number of contradictions that arise when consumers evaluate banking services. The lack of financial literacy and orientation at stereotyped and simplified images of banks when making a decision make consumers create and intensify uncertainty of the banking sphere. Banking investments are viewed as a source of 'fast' money which limits their use for long-term pension investments. Solution of this problem can become one of the key tasks of information and educational policy in the sphere of pension provision. 
Keywords: risk minimization, consumer behavior, consumer risk assessment, social trust, pension provision, bank risks, pension investment, banking services market, pension strategies of the population, sociology of risks
DOI: 10.25136/2409-8647.2017.4.24769
Article was received: 19-11-2017

Review date: 23-11-2017

Publish date: 26-11-2017

This article written in Russian. You can find full text of article in Russian here.

References
1.
Bankovskoe delo / O. I. Lavrushin, I. D. Mamonova, N. I. Valentseva [i dr.]; pod red. d-ra ekon. nauk, prof. O. I. Lavrushina. M. : KNORUS, 2009. 768 s.
2.
Bek, U. Obshchestvo riska: na puti k drugomu modernu / U. Bek. M. : Direkt-Media, 2007. 720 s.
3.
Bogdanova, E. V. Struktura doveriya v otnosheniyakh klient-bank / E. V. Bogdanova // Zhurnal sotsiologii i sotsial'noi antropologii. 2005. T. 8. 1. S. 86-96. [Elektronnyi resurs]. Rezhim dostupa: http://ecsocman.hse.ru/data/488/010/1220/006-Bogdanova.pdf (data obrashcheniya 18.07.2017).
4.
Volkov, I. A. Negosudarstvennye pensionnye fondy kak predmet finansovo-pravovogo regulirovaniya / I. A. Volkov [Elektronnyi resurs]. Rezhim dostupa: // Aktual'nye problemy rossiiskogo prava. 2011. 4. C. 92-103. http://nbpublish.com/library_get_pdf.php?id=22513 (data obrashcheniya 10.11.2017).
5.
Vostrukhina, T. Yu. Faktory i usloviya, vliyayushchie na razvitie bankovskikh uslug v regionakh / T. Yu. Vostrukhina // Voprosy ekonomiki i prava. 2011. 4. S. 307-310. [Elektronnyi resurs]. Rezhim dostupa: http://ecsocman.hse.ru/data/2012/03/21/1269118065/Vostruhina.pdf (data obrashcheniya 17.07.2017).
6.
Doverie bankam (opros naseleniya, 25.09.2016, FOM). [Elektronnyi resurs]. Rezhim dostupa: http://fom.ru/Ekonomika/12967 (data obrashcheniya 11.09.2017).
7.
Doverie bankam, strakhovym kompaniyam i NPF zametno snizilos'. Initsiativnyi vserossiiskii opros NAFI, iyul' 2017 g. Oprosheno 1600 chelovek v 140 naselennykh punktakh. [Elektronnyi resurs]. Rezhim dostupa: https://nafi.ru/analytics/doverie-bankam-strakhovym-kompaniyam-i-npf-zametno-snizilos/ (data obrashcheniya 11.11.2017).
8.
Zarubina, N. N. Den'gi kak sotsiokul'turnyi fenomen: predely funktsional'nosti / N. N. Zarubina // Sotsiologicheskie issledovaniya. 2005.- 7. S. 13-21.
9.
Informatsiya o registratsii i litsenzirovanii kreditnykh organizatsii [Elektronnyi resurs]. Rezhim dostupa: http://www.cbr.ru/statistics/?PrtId=lic (data obrashcheniya 03.09.2017).
10.
Keins, Dzh. M. Obshchaya teoriya zanyatosti, protsenta i deneg. Izbrannoe / Dzhon Meinard Keins ; [vstup. st. N. A. Makashevoi ; per. s angl.: E. V. Vinogradova, V. G. Grebennikov, A. S. Kamenetskii [i dr.] ; pod nauch. red. P. N. Klyukina]. M. : Eksmo, 2007. 959 s.
11.
Lamben, Zh.-Zh. Menedzhment, orientirovannyi na rynok. Strategicheskii i operatsionnyi marketing / Zh.-Zh. Lamben, R. Chumpitas, I. Shuling ; [per. s angl. pod red. V. B. Kolchanova]. SPb. [i dr.] : Piter, 2008. 718 s.
12.
Leonov, V. Sotsiologicheskie aspekty motivatsii finansovogo povedeniya naseleniya / V. Leonov // Sotsiologiya: teoriya, metody, marketing. 2005. 4. S. 132-146 [Elektronnyi resurs]. Rezhim dostupa: http://ecsocman.hse.ru/data/684/786/1219/08_Leonov.pdf (data obrashcheniya 17.07.2017).
13.
Luman, N. Ponyatie riska / N. Luman // Thesis: teoriya i istoriya ekonomicheskikh i sotsial'nykh institutov i sistem. 1994. 5. S. 135-160. [Elektronnyi resurs]. Rezhim dostupa: http://ecsocman.hse.ru/data/429/174/1217/5_2_2luhm.pdf (data obrashcheniya 17.07.2017).
14.
Mitrofanov, R. A. Voprosy reformy pensionnoi sistemy / R. A. Mitrofanov // Nalogi i nalogooblozhenie. 2012. 1. C. 32-44. [Elektronnyi resurs]. Rezhim dostupa: http://nbpublish.com/library_get_pdf.php?id=17178 (data obrashcheniya 10.11.2017).
15.
Nait, F. Ponyatie riska i neopredelennosti / F. Nait // Thesis: teoriya i istoriya ekonomicheskikh i sotsial'nykh institutov i sistem. 1994. 5. S. 12-28. [Elektronnyi resurs]. Rezhim dostupa: http://ecsocman.hse.ru/data/149/819/1231/5_1_1knigh.pdf (data obrashcheniya 17.07.2017).
16.
Radaev, V. V. Novyi institutsional'nyi podkhod i deformalizatsiya pravil v rossiiskoi ekonomike / V. V. Radaev. M. : GU-VShE, 2001. 42 s.
17.
Rossiiskii rynok finansovykh uslug. Sotsiologiya. Statistika. Publikatsii. Otraslevoi obzor 6(10). Iyun' 2017 [Elektronnyi resurs]. Rezhim dostupa: https://nafi.ru/analytics/rossiyskiy-rynok-finansovykh-uslug-seriya-sotsiologiya-statistika-publikatsii-otraslevye-obzory-vyp-/ (data obrashcheniya 09.09.2017).
18.
Rossiya na 9 meste po finansovoi gramotnosti sredi stran G20 [Elektronnyi resurs]. Rezhim dostupa: https://nafi.ru/analytics/rossiya-na-9-meste-po-finansovoy-gramotnosti-sredi-stran-g20/ (data obrashcheniya 11.09.2017).
19.
Rossiyane stali bolee tshchatel'no vesti semeinyi byudzhet (opros naseleniya, NAFI, mai 2017) [Elektronnyi resurs]. Rezhim dostupa: https://nafi.ru/analytics/rossiyane-stali-bolee-tshchatelno-vesti-semeynyy-byudzhet/ (data obrashcheniya 11.09.2017).
20.
Federal'nyi zakon O bankakh i bankovskoi deyatel'nosti ot 02.12.1990 N 395-1 (red. ot 26.07.2017). St.1 [Elektronnyi resurs]. Rezhim dostupa: http://www.consultant.ru/document/cons_doc_LAW_5842/6833df0e9ef08568539f50f01a3a53c29505430e/ (data obrashcheniya 13.08.2017).
21.
Shtompka, P. Sotsiologiya. Analiz sovremennogo obshchestva / Petr Shtompka ; per. s pol'sk. S. M. Chervonnoi. M. : Logos, 2005. 664 s.
22.
Yanitskii, O. N. Sotsiologiya riska: klyuchevye idei / O. N. Yanitskii // Mir Rossii. 2003. T. XII. 1. S. 3-35.