Approaches to defining criteria and indicators for assessing financially literate behavior of the population of the Russian Federation

The article analyzes various approaches to the interpretation of the concepts of “criterion” and “indicator”; during the analysis, interpretations are derived that are taken as the basis for the development of criteria and indicators for assessing the financially literate behavior of Russian residents. The text provides an overview of studies assessing the financially literate behavior of residents of the Russian Federation, in particular the following studies were considered: “Financial literacy of Russians – 2023”, conducted by the National Agency for Financial Research (NAFI); “Study of the level of financial literacy” (stage 4), conducted by the FOM commissioned by the Bank of Russia and “Barometer of economic behavior of households in Russia”, conducted by specialists from the National Research University Higher School of Economics. Based on the analysis of the Strategy for Improving Financial Literacy and Forming a Financial Culture until 2030, in the context of the goals, objectives and expected results from its implementation and analysis of the criteria and indicators taken as a basis within the framework of the previously listed studies, criteria and indicators were proposed for assessing financially literate behavior Russians at three levels: the sphere of personal finance, the sphere of public finance and the sphere of financial security, including financial cybersecurity.