Finansijska pismenost i upotreba finansijskih usluga u Srbiji

Abstract

Industrija finansijskih usluga oduvek privlači veliku pažnju potencijalnih investitora, zajmoprimaca, države i šire javnosti. Generalno, finansijske usluge postaju sve atraktivnije ali i složenije. Cilj ove studije jeste da analizira upotrebu finansijskih usluga u Srbiji. Smatramo da su finansijsko obrazovanje i finansijska pismenost preduslovi za korišćenje finansijskih mogućnosti. Istraživanja pokazuju da većina ljudi u Srbiji nije dobro informisana oko donošenja kvalitetnih finansijskih odluka. Potrebno je posebno analizirati razloge zbog kojih ljudi u Srbiji ne koriste finansijske proizvode i usluge u većoj meri. Kako bi utvrdili razlike u pogledu informisanosti i upotrebe finansijskih usluga, sproveli smo upitnik. Naši rezultati pokazuju da su ljudi koji imaju zaradu veću od 100.000 RSD bolje informisani ali nedovoljno motivisani da investiraju. Pojedinci sa srednjim nivoom primanja nemaju dovoljno poverenja i smatraju da nisu dobro informisani u pogledu različitih mogućnosti. Pored toga, rezultati pokazuju da su muškarci bolje informisani od žena. Cilj ovog rada jeste da pruži pregled upotrebe finansijskih usluga u Srbiji kako bi se poboljšao proces finansijskog odlučivanja i razumele različite finansijske mogućnosti

Financial services industry has always drawn a lot of attention, from possible investors, those who need financing, the government and general public. Globally, financial opportunities are becoming more attractive, but also more complex. The goal of this study is to analyze the use of financial services in Serbia. We argue that financial education and literacy are preconditions for the use of financial opportunities. Research has shown that people in Serbia are not well informed about how to make sound financial decisions. The reasons why people in Serbia do not use financial products requires to a greater extent and services special attention. In order to test the differences between people in terms of how well informed they are and which services they use and why, we conducted a survey. Our results show that people with salaries higher than 100,000 RSD are well informed but not motivated to invest. Individuals with middle income do not have enough trust and think that they are not well informed about different opportunities. Additionally, we found that men are better informed than women. This paper aims to provide an overview of the use of financial services in Serbia in order to improve financial decision-making processes and understand the different financial opportunities.