К ВОПРОСУ ОЦЕНКИ ФИНАНСОВОЙ ВОВЛЕЧЕННОСТИ АРМЕНИИ Текст научной статьи по специальности «Экономика и бизнес»

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«$Çùwûuw|wû ùbpqpwiiwônLpjnLÛQ» (Financial Inclusion) 20072009 pp. hwdw2ËwphwjÇû $Çûwûuwmûmbuw|wû ¿qùmdrndÇg hbmr iujù mmprnôrLÙ t umugbi rp^bu wqqwpùw|£nLpjwû rL hmm|rn^bu ^rpp Ôbé-ùwp|wmÇpnLpjwû $Çûmûum|mû ômRmjrLpjrLÙûbpÇ hmumùbiÇrLpjmû uumÇ-¿uùp pùrLpuqprrç hmu|rngrLpjrLÛ: Sûmbum|mû pùrçhuùrLp dÇçwÎwjpÇ ipu $Çûmûum|mû ùbpqpmiimôrLpjrnû LupLrprLpjrLùù rL uqrçbgrLpjrLùp ^up-pbpupup rnp0rnOrnqpirLd bù 0uuùÇ uù^ud bp|pùbpÇ rnRrnçùrp^ûbpÇ LnrçdÇg, rnRrnçrn^pirLd t ûbpqprniirnôrLpjrnû Qû^irnjûdrnûû rL^^uô dÇçr-grnRrLdùbpÇ 2mpe : UÇçwqqwjÇù ^^OrnOurnlrnO LrnqdrnLbp^rLpjrLÛûbpÇ LrrçdÇg wprçbù Çu| Lurnup^uô prnqdrnpÇi rL dbôwôwiwi hbmrnqrmrL-pjrLÙùbp rL Û2rnLrLdûbp hÇdù bù rçupâbi rndpr^ç u2ËuphÇ, mwpwôw2pçwù-ùbpÇ L rnRrnûÔÇû bp|pùbpÇ $Çùwûuw|wû ûbpqprniirnôrLpjrnû qOrnhrnmrn-LuùùbpÇ ÔLrnirpdrnû hwdwp:

2012 p. hprn^rnprnLibi bù $Çùwûuw|wû ûbpqprniirnôrLpjrnû gmgu-ùÇ2ÙbpÇ ibpupbpjui 2011 p. rn2ËrnphrLd rnùgLrngirnô hupgrLdùbpÇ wprç-jrLÙprLd Ô^rnirpirni rnRrnçÇù hrndQù^hrnùrLp qùwhwmwLwùùbpp: bjrLpp, drnuùrnirprn^bu, pùrçqômd t. «Smgwù^ùbpÇ mijuiùbpÇ rnRrnçÇù huùpujÇù prnqrnù, rp hbmLr^rnLrnùrpbù ¿u^rLd t drnp^Lrnùg LrrçdÇg ^ÇùrnùurnLrnù ôrnRrnjrLpjrLÙùbpÇ oqmuqrpirLdp muppbp bp|pùbprLd L drndrnùrnLÇ pù-prngprLd, ipugùrLd t ^ÇùrnùurnLrnù ùbpqprniirnôrLpjrnù mijuiùbpÇ dbô pu-gp» : UÇLùmjù drndrnùrnL, Ç iprLdù hrndQù^hrnùrLp mijuiùbpÇ, hprn^rnprnL-ÎrLd bù ùuL $Çùwùuw|wù ùbpqprniirnôrLpjrnù gmguù^ùbpù pum mupu-ôw2pçwùùbpÇ L rnRrnùÔÇù bp|pùbpÇ 3: bipr^rnjÇ L Îbùmprùrnlrnù UuÇujÇ mwpwôw2P2wùÇ bp|pùbpÇ |rnqdrLd pbp^bi bù ùuL <wjwumwùÇ ^Çùrnùurn-|uù ùbpqprniirnôrLpjrLùp qùrnhrnmr^ mijuiùbpp4:

<rnçrp^ hprn^rnprnlrLdp ibpupbprLd t 2015 p., rp rnd^r^rLd t 2014 p. rndpr^ç u2ËuphrLd rnùgLrngirnô hwpgmdùbpÇ rnp^jrLùpùbpp: Ujumbrç Lu ùbpLrnjrngirnô bù <wjwumwùÇ ^ÇùrnùurnLrnù ùbpqprniirnôrLpjrLùp pùmpu-qprrç grLguùÇ2ùbpp5: <wJwumwùÇ rnRù^rLpjrndp ^ÇùrnùurnLrnù ùbpqpw^iw-ôrLpjuù gmguù^ùbpÇ 2mpùp |p|Çù hu^w^^m L ^u^bir t 2017 p.6:

1 Sbu September 2014. Financial Inclusion Action Plan (FIAP). Global Partnership for Financial Inclusion (GPFI), t2 1-2. http://www.worldbank.org/:

2 Sbu Measuring Financial Inclusion. The Global Findex Database. April 2012. The world Bank. Development Research Group Finance and Private Sector Development Team, t2 1. http://www.worldbank.org/: <b^ÇùwLwJÇù pwpqûwùrLpJrLÙ:

3 Sbu The Little Data Book on Financial Inclusion. 2012 by the International Bank for Reconstruction and Development/The World Bank. Report generated on: April 15, 2015. http://microdata.worldbank.org:

4 Sbu The Little Data Book on Financial Inclusion. 2012 by the International Bank for Reconstruction and Development/The World Bank. 2012. http://microdata.worldbank.org, tç 24:

5 Sbu The Little Data Book on Financial Inclusion. 2015 by the International Bank for Reconstruction and Development/The World Bank. 2015. http://microdata.worldbank.org, tç 25:

6 Sbu Armenia - Global Financial Inclusion (Global Findex) Database 2014. Development Research Group, Finance and Private Sector Development Unit - World Bank. Report generated on: Ocnober 29, 2015. http://microdata.worldbank.org, t2 3:

Dum mdbOmjOh, ^nugQ dhmjO <mjmummOh dmuhO ¿t. ^bmg t u^mub[ $h-OmOum|mO ObpqpmiiminLpjmO qOmhmmdmO OnLjO^huh' mdpn^2 m2^mphh hmdm^mp^m| hbmmqnmmpjmO hpm|mOmgnLd:

$hOmOum|mO ObpqpmiiminLpjmO hmdQO^hmOmp qOmhmmm|mOObpO mp^bO hmdbdmmnLpjnLOObph ^m2mmd bO: Uju^bu' «2011-2014 pp. qO-pmgprnd 700 ^hlhnO db6mhmum|Obp ^mp6b[ bO hm2ibmbpbp, hu| hm2hi ¿mObgn^Obph phiD |p^mmib[ t 20 mn|nuni' hmuOb[ni 2,0 dhihmp^h: hO-¿n±i t pmgmmpinLd hm2ibmbpbph dmuOmpmdOh m^bimgrndQ: Qmpqmgn^ bp|pObpnLd hm2hiObph Obppm^mOgdmO 13 mn|nu m^Q ^ mb^On[nqhmObph ninpmnLd OnpmpmpnLpjnLOObpQ (hmm|m^bu t[b|mpnOmjhO ^n^bpQ), O^mu-mnLd bO Umhmpmjhg hmpmi U$ph|mjh bp|pObpnLd $hOmOum|mO 6mpmjnL-pjnLOObph hmumOb[hnLpjmO mpmq QO^imjOdmOQ»7: $hOmOum|mO Obpqpm^-imdnLpjmO qOmhmmm|mOObpD mmihu bO mpm2hO mpnjnLOgObpD. |p^mm-inLd t mjO db6mhmum|Obph phiD, n^pbp ¿bO oqm^md hhdOm|mO $hOmO-um|mO dmpmjnLpjnLOObphg: <mjmummOh ^b^prnd t[ mp|m t $hOmOum|mO ObpqpmiimdnLpjmO OnLjO dmd|bmObph ^pmpjmdp hmdbdmmnLpjnLOObph bqpbp: Um|mjO, mijm[ ^mpmqmjnLd, mrcm2OmjhOD ^m ¿t:

U^m2OmjhO t <mjmummOnLd $hOmOum|mO ObpqpmiimdnLpjmO qOmhmmdmO qnpdQOpmgO hOpOmpnLjO, ObpghO nLdbpni |mqdm|bp^dmO hOm-pm^npnLpjnLOObph pmgmhmjmnLdQ: Ub^m|mO nLdbpni $hOmOum|mO Obp-qpmiimdnLpjmO ^mppbpm|mO hpm|mOmgnLdD |mpn^ t np^bu hhdg 6m-pmjbi bpL|ph ^hOmOum^mO hmm^mih |mjnLOnLpjnLOO mdpm^O^b[nL hmdmp: Pmgh mj^, $hOmOum|mO Obpqpm^iminLpjmO gnLgmOh2Obph ^n^n^mpjnLO-ObpO mO^nLum^bihnpbO hmOqbgOmd bO bp|ph $hOmOum|mO hmm^mih qnpinLObnLpjmO, m^m OmL mOmbum|mO m^h ipm mq^bgmpjmO:

HLumh, mpm2hO hbpphO hmp| t mO^pm^mrcOmi dmuOm^npm^bu <m-jmummOh hmdm^mmmu^mO gnLgmOh2Obph dh2ngni $hOmOum|mO Obp-qpmiiminLpjmO qOmhmmm|mOObph ¿UminpdmO hmpgbphO, hO¿D |mmmp-ib[ t dh2mqqmjhO $hOmOum|mO |mqdm|bp^nLpjnLOObph |n^dhg d2m|im6 dbpn^m|mO OjnLpbph hhdmO ipm:

BbL umnpL pbpimi m^jnLum|ObpnLd Obp|mjmgib[ bO <mjmummOh hO¿-^bu 2011 p., mjO^bu t[ 2014 p. $hOmOum|mO Obpqpm^iminLpjmO gnLgm-Oh2ObpQ (mmpm6m2p2mOh ^ dh2hOhg gm6p b|mdnLm rnObgn^ bp|pObph dh-2hO gnLgmOh2ObphO qnLqmhbrc), um|mjO, mijm[ ^mpmqmjnLd, mj^ pmOm|m-|mO pOnLpmqpnLdObpQ ^bmp t ^hmb[ n¿ mpm2OmjhO: №O^hpO mjO t, np bpp gnLgmOh2Obph dm|mp^m|Obph hmdbdmmnLpjnLOObpQ mmpm6m2p2mOh m-pmO6hO bp|pObph |md m2^mphh dh2hO mp^jnLOpObph hbm tm^bu mmp-pbpinLd bO, m^m ophOm¿m^ t ^pmOp pmpbim^dmO dh2ngni ^n^b[nL, hm-dm^mmmu^mO dh2ngmpnLdObp, dhqnLgb OmL pmqdmimpnLpjnLO nL ^pmOhg p^n^ pm^mpm|mOnLpjnLO d2m|b[nL ^mhmO2Q: hu| ibp2hOO mO^nLum^b-ihnpbO ibpmhmummmb[nL t $hOmOum|mO ObpqpmiiminLpjmO qOmhmm-dmO gnLgmOh2Obph Obp|mjnLdu IhpmR^n^ 2mpfih hbmmqnmdmO mOhpmdb2-mnLpjnLOQ:

7 Sbu Measuring Financial Inclusion. The Global Findex Database. April 2012. The world Bank. Development Research Group Finance and Private Sector Development Team. P.vi. http://www.worldbank.org/: <b^hOw|wJhO pmpqdmOnLpjnLO:

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8 Sb'u The Little Data Book on Financial Inclusion. 2012 by the International Bank for Reconstruction and Development/The World Bank. 2012. http://microdata.worldbank.org, ¿2 24: <br^üwL|wjfilj pupqüuünLpjnLÜ:

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Oqmwqnpôiwô qpwïwùni.pjni.û

1. Financial Inclusion Action Plan (FIAP). September, 2014. Global Partnership for Financial Inclusion (GPFI). http://www.worldbank.org/.

2. Measuring Financial Inclusion. The Global Findex Database. April, 2012. The World Bank. Development Research Group Finance and Private Sector Development Team. http://www.worldbank.org/.

3. Measuring Financial Inclusion. The Global Findex Database. April 2015. The World Bank. Development Research Group Finance and Private Sector Development Team. http://www.worldbank.org/.

4. The Little Data Book on Financial Inclusion. 2012 by the International Bank for Reconstruction and Development/The World Bank. Report generated on: April 15, 2012. http://microdata.worldbank.org.

5. The Little Data Book on Financial Inclusion. 2015 by the International Bank for Reconstruction and Development/The World Bank. Report generated on: 2015. http://microdata.worldbank.org.

6. Armenia - Global Financial Inclusion (Global Findex) Database 2014. Development Research Group, Finance and Private Sector Development Unit - World Bank. Report generated on: April 15, 2015. http://microdata.worldbank.org.

7. Armenia - Global Financial Inclusion (Global Findex) Database 2014. Development Research Group, Finance and Private Sector Development Unit - World Bank. Report generated on: October 29, 2015. http://microdata.worldbank.org.

8. What do we know about the link between financial inclusion and inclusive growth? Asli Devirguc-Kunt, Leora Klapper, Dorothe Singer. http://blogs.worldbank.org/

СЕРГЕЙ СУКИАСЯН

Руководитель научно-учебной лаборатории "Финансовая вовлеченность" АГЭУ, доктор экономических наук, доцент

К вопросу оценки финансовой вовлеченности Армении.- Влияние "финансовой вовлеченности" (Financial Inclusion) на общее экономическое положение периодически констатируется лидерами стран группы Двадцати. Последние предлагают ряд мер, направленных на расширение вовлеченности. Исследования наднациональных международных финансовых организаций стали основой для формирования оценок по "финансовой вовлеченности". Опубликованы первые оценки "финансовой вовлеченности" по результатам всеобщих опросов, проведенных в 2011 г. и в 2014 г. (Global Findex Database). Приведены показатели, характеризующие Армению в составе стран Европы и Центральной Азии. Однако первично то, что фундаментальной единицей исследования является "финансовая вовлеченность" личности и общества, что параллельно предполагает исследование процессов оценки "финансовой вовлеченности", проводимой на международной арене. Целью является проведение местными силами периодической оценки "финансовой вовлеченности" Армении как направления обеспечения финансовой стабильности страны.

Ключевые слова: финансовая вовлеченность, всемирный финансово-экономический кризис, план действий по финансовой вовлеченности, международные финансовые организации, глобальная финансовая система, финансовая стабильность, исходные показатели оценки финансовой вовлеченности. JEL: G01, G23, G32

SERGEY SUQIASYAN

Head of",Financial Inclusion" Scientific-Education Laboratory at ASUE, Doctor of Economics, Associate professor

On the Issue of Financial Inclusion of Armenia.- The

impact of financial inclusion on the global economic environment is periodically recorded by the leaders of Group of Twenty who nominate a series of activities aimed at enhancing inclusion. Research and development carried out by international financial institutions has become the basis for the formulation of "Financial inclusion" assessments. The first general assessment of conducted financial inclusion surveys was published (Global Findex Database) in 2011 and in 2014. The indicators characterizing Armenia are included in the region

of Europe and Central Asia. Assessments are in the field of comparison. But the primary point is that the basic unit of research is the individual, and then the general financial behavior, which simultaneously implies the study of financial inclusion processes in the international arena. The goal is to periodically assess financial inclusion in Armenia through local efforts as a means of ensuring financial stability of the country.

Key words: financial inclusion, global financial and economic crisis, financial inclusion action plan, international financial organizations, global financial system, financial stability, output indicators for financial inclusion assessment. JEL: G01, G23, G32