Аспирант кафедры теории финансов, кредита и налогообложения, Волгоградский государственный университет grigorievalv@volsu.ru просп. Университетский, 100, 400062 г. Волгоград, Российская Федерация Наталья Валерьевна ГоршковаДоктор экономических наук, профессор, заведующая кафедрой теории финансов, кредита и налогообложения, Волгоградский государственный университет gorshkovanv@volsu.ru просп. Университетский, 100, 400062 г. Волгоград, Российская Федерация Лейла Акифовна МытареваКандидат экономических наук, доцент кафедры теории финансов, кредита и налогообложения, Волгоградский государственный университет mytarevala@volsu.ru просп. Университетский, 100, 400062 г. Волгоград, Российская Федерация Аннотация. Проблемы поиска действенных экономических инструментов для социально-экономического развития регионов в последнее время приобретает все боль-шую актуальность. Усиление региональной дифференциации с выделением ведущих и отстающих регионов, недостаточность собственных ресурсов в регионах вынуждают местные власти использовать новые инструменты для развития территории, в частно-сти экономические механизмы защиты от пенсионных рисков.Использование указанных механизмов дает двойной эффект (экономический и социальный) за счет привлечения в регионы дополнительных финансовых ресурсов в виде «длинных денег» и повышения защиты граждан от пенсионных рисков (увеличе-ния уровня пенсионных выплат).Анализ существующих экономических механизмов защиты от пенсионных рисков на территории регионов ЮФО позволил выделить ключевые проблемы их использова-ния, в частности низкую пенсионную грамотность населения и недоверие к специали-зированным финансовым институтам; инвестиционную политику регионов, не учиты-вающую возможность привлечения средств негосударственных пенсионных фондов в региональные проекты; отсутствие механизма поддержки региональных НПФ.Проведенное исследование позволило выявить основные направления защиты от пенсионных рисков в регионах ЮФО как инструмента социально-экономического раз-вития, который складывается из наличия региональных НПФ и страховых компаний

No abstract

Sustainable competitive region development is impossible without creation of effective mechanisms for social protection of population, since the territory human capital is the goal, instrument, and result of region's social and economic policy. Taking into account federal policy of Russia, most of powers in social protection field are delegated to regional and municipal levels. Regional and municipal authorities perform the assigned powers based on the available financial resources at their disposal, and this fact generates high regional differentiation in terms of social protection level provided. Unified approach is required in terms of revision of certain paternal system aspects of the population social protection from the perspective of enhancing efficiency, expediency and targeting, as well as reorientation to new models of social protection based on partnership between the state, business and society. However, current social protection system is structurally cumbersome, nontransparent, and confusing at the normative level. And with this understanding, the author gives the definition of the population social protection system, considers federal and regional social support measures. Further the author proposes and justifies directions for the formation of regional social protection system from the point of its place and role in sustainable and competitive development of Russian regions.

Under modern conditions of increased demand for the level of financial literacy of the economic subjects, together with an urgent problem of reduction of the level of real disposable income of the citizens

A human is the goal, the tool the incentive and the resource of territorial development in socially oriented systems. The regional differentiation is quite strong, due to a large size of the country and an uneven distribution of population in agglomerations. As an indicator of the role and the contribution of public finances to the regional economy we can take the potential of the finances of the population. The understanding of the financial potential of a region's population is given by the authors within the frameworks of a general approach to the content and the nature of the population finances as a modern school of domestic financial science. The article proposes to analyze the place and the role of the participation of the region's finances in consumer relations, taxation system and entrepreneurship in the financial sector. The goal of the research is to develop an algorithm for the assessment of various types of financial potential of regional population. The authors reveal the additional nature of financial potential of region's population, highlighting its types (consumer, taxation, budgetary, entrepreneurial, investment and saving potentials), and offer specific ways to measure and evaluate them. However it is impossible to calculate the general level of financial potential of the population simply arithmetically due to the interdependence and mobility of its elements (in particular, of business, investment and savings potentials). The authors consistently calculate consumer, tax, budget, savings' and investment potentials using as the example the population finances of the Volgograd region. The obtained results allowed defining precisely the main stages of activation of potential incorporated in the population finances of the Volgograd region. A three stage algorithm based on the results of research is suggested for use. This article is a continuation of the authors' research in the field of population's finance. The authors' results allow expanding the understanding of the role of population finances in the economy of the region and the country and their balanced assessment and activation contribute to the use of previously unused financial resources in the development of the regional economy. A further development of the topic is seen by the authors in the development of assessment methods of the potential of regional population finances.