{'fraction_non_alphanumeric': 0.009308510638297872, 'fraction_numerical': 0.0, 'mean_word_length': 5.605263157894737, 'pattern_counts': {'":': 0, '<': 0, '<?xml version=': 0, '>': 0, 'https://': 0, 'lorem ipsum': 0, 'www.': 0, 'xml': 0}, 'pii_count': 0, 'substrings_counts': 0, 'word_list_counts': {'cursed_substrings.json': 0, 'profanity_word_list.json': 0, 'sexual_word_list.json': 0, 'zh_pornsignals.json': 0}}
FINANCIAL LITERACY AS A FACTOR OF CONSUMPTION OF FINANCIAL SERVICES

The article discusses current problems that confirm the need to increase the level of financial literacy of the Russian population. The relationship between financial literacy and the financial instruments used is considered. Methodological features of providing financial services of the banking sector to the population are revealed, and the opportunities offered to consumers by stock exchanges are assessed. Theoretical conclusions are confirmed by statistical data on the use of various financial instruments by Russians. The legislative base in the field of investment is analyzed. The effectiveness of the Russian government bodies in improving financial literacy is assessed.