Classification of factors of influence on the formation of financial and economic culture of Russians

Formation of financial institutions in society, development of the financial services market and effective financial relations is impossible without formation of a developed financial and economic culture. Today, such a financial and economic system can be viable, which will take into account the social aspects of society's life, its factors and prerequisites, as well as values that really contribute to the survival, preservation and development of humanity, strengthening its unity, expanding its potential. Taking this into account, formation of a financial and economic culture based on universal principles in the context of new trends in the socio-cultural development of the country is one of the most acute modern problems. Each financial and economic system corresponds to a special basic model of financial and economic culture and values, which is manifested in national specific forms in each country. There are no «good» and « bad» cultures, but there are functional or dysfunctional cultures relative to the financial and economic system. According to the criterion of the essence, financial and economic culture is a type of social culture of society that provides for the needs of multidimensional human activity in specialized types of financial and economic activity. In modern society, there is a tendency to raising the cultural level of production. It finds expression in use of the latest technology and technological processes, advanced methods of labor organization, progressive forms of management and planning, scientific achievements. The direction of this development is determined, on the one hand, by the opportunities contained in the set of conditions that define the boundaries of economic culture, on the other hand, by the degree and ways of realizing these opportunities in the conditions of changes in the innovative economy. In view of this, analysis of patterns of financial and economic culture and creation of mechanisms for influencing them is an important managerial task, no less important than creation of an innovative economy and construction of a rule-of-law state. Based on the study of factors affecting the formation of the financial and economic culture of Russians, the authors developed classification, which includes the factors of the Russian cultural archetype; of the socio-economic context; of vertical and horizontal socialization.