In the article, we examine the importance of financial competences development of individuals who act as retail investors in the Russian stock market. It is shown that development of the stock market in many respects depends on availability of the investment positive result. Considering that the average «life term» of a broker company customer account is no more than 9 months, the number of retail investors among individuals in Russia does not exceed 1% of the country population, and also the low level of the Russian population financial literacy, mistrust to the stock market in general, reduce their activity in this segment of the financial market. In the article identification features of various categories of investors abroad, and new offers of CBR are considered. The analysis of foreign experience in the sphere of increasing retail investors’ financial knowledge, studying of the current recommendations on Russian financial market development, allowed us to offer elements of the system of competences development for Russian retail investors.
retail investor, stock market, competences, financial literacy, broker, accredited investor.
Распространение действия закона «О защите прав потребителей» на сферу брокерской деятельности определяет соответствующие стандарты оказания инвестиционных и брокерских услуг. Таким образом, предоставление услуги доступа на биржевой рынок, совершения сделок с различными финансовыми активами должно приводить к увеличению полезности для клиента, а не к потере его капитала. Вместе с тем одна из особенностей оказания инвестиционных услуг состоит в том, что ответственность за выбор инвестиционных инструментов, уровень принимаемого риска лежит не на компании, а на ее клиентах, которые в большинстве своем не осведомлены обо всех нюансах данной деятельности и практически не защищены от вероятности потери капитала.
Вопрос развития финансового рынка России, в частности инвестиционного сегмента, требует комплексного подхода, который должен основываться на большей защищенности прав инвесторов, с одной стороны, а также на формировании культуры инвестирования и соответствующей базы знаний — с другой.
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