Финансовый рынок и финансовая грамотность, как структурные элементы потребительского рынка России

To fully explore the extent and level of efficiency of the modern system of state control in the sphere of financial and credit products are now particularly important increase in the level of financial literacy of the Russian population and the development of financial education as a structural component of the financial market as a whole and provide the appropriate level of Russia's financial security. The study of this aspect is due to the dynamic development of the market of financial products, as well as the diversification of financial instruments, the appearance on the market of complex financial products that cause is often a lot of questions among Russian consumers of financial services. Thus, it can be argued that the level of financial literacy and consumer protection in this area have a dominant role to improve the financial security of citizens, ensure the stability of the financial system and the formation of the Russian Federation, competitive and transparent market for financial products. Of particular importance in this issue is the conditions of the world financial and economic crises, which are characterized by the activation of a certain number of unscrupulous financial market participants, resulting in a substantial increase in the risk of financial and credit services. The protection of the rights of consumers of financial services to a specific role for Rospotrebnadzor. For this reason, it is crucial to analyze the role and economic and legal significance of Rospotrebnadzor’s participation in this process. It is also necessary to identify the degree of participation in the Project Rospotrebnadzor Russian Ministry of Finance and the World Bank “Assistance to the population increase financial literacy and financial education in the Russian Federation” in the context of ensuring the financial security of the Russian economy.