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One of the current challenges of the modern economy is the growth of financial risks associated with the low level of financial literacy of the population. The article analyzes data on credit, savings and insurance behavior of residents in Russian regions. By using factor analysis there were identified the groups of regions that are potentially more attractive and at the same time riskier (in terms of financial organization development). Based on the given analysis the relationship between bank risks and the financial literacy level of the population was revealed, this made possible to demonstrate the importance of accounting for the population financial behavior when making financial and management decisions about developing a regional banking network and the need to improve financial interaction with the population as well. In this regard one of the tasks being faced by the regional government is to implement programs to change the financial literacy level of the population, which can increase the regional competitiveness and ensure the sustainable development of the regional economy.

proceedings of the international scientific conference "competitive, sustainable and secure development of the regional economy: response to global challenges" (cssdre 2018)

Financial literacy of the region's population and banking risks: a new approach to the analysis of the relationship