О ЗНАЧЕНИИ ФИНАНСОВОЙ ВОВЛЕЧЕННОСТИ

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L Pfi[ Qbjpubp^ h^ilm^pmi^ i^gnglbp^ hm2ihl (Measuring Financial Inclusion. The Global Findex Database. April 2012. The world Bank. Development Research Group Finance and Private Sector Development Team.): U^pjnLpp' http://www.worldbank.org/:

3 Sb'u «<wjwumwlfi <wlpwi^bmnLpjwlj l|blmpnljwl|wlj pwll|fi imu^l» « opblpp: Dl^nLlib[ t 30.06.1996 p.:

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Ujrçpwùni, $Çùwùuwïwù ùbpqpw44wônLpjwù ùÇwjù ù2wùwïnLpjnLùp gnLjg mm[nL mbuwùïjnLùÇg, wéwçùwjÇù nL hÇùùwpwp ^bmp t hwùwpb[ hbùg 0uwùÇ ËùpÇ rçÇppnp^nLÙp: Uwuùwinpw^bu, wjrç bpïpùbpÇ wéwçùnp-rçùbpù Çuï wpàwùwqpb[ bù, np «$Çùwùuwïwù ùbpqpw44wônLpjnLùp» ùnp mbpùÇù t4: 0uwùÇ ËùpÇ rçbïwiwpùbpÇ hwiwùnLpjnLùp umwgwô qnpônrçnL-pjnLùùbpÇ ^[wùÇ ùbpmônLpjnLÙnLÙ Ù2ÎnLÙ t. «2007 p. hwùpùrçhwùnLp $Çùwù-uwïwù ¿qùwdwùp $Çùwùuwïwù hwùwïwpqÇ ibpwqùwhwmnLÛùbpÇ ^mm-¿wé rçwpôwi: Ujrç ¿Çqbpp ÔbéùwpïibgÇù 0uwùÇ ËùpÇ ÏnrçùÇg' $Çùwùuw-Ïwù ïmjnLÙnLpjmù ËnphprçÇ5 L umwùrçwpmwgùwù wj[ ùwpùÇùùbpÇ hbm ubpm hmûmqnpômïgb[ni: Li^wmwÏp hwùpùrçhwùnLp ïwjnLù $Çùwùuwïwù hwùwïwpqÇ umbrçônLÛù t, Çù^p ù^wumb[nL t iumwhnLpjwù hwumwmùwùù nL w^Çù»6:

^bpp ù2Îwô ^[wùù wû^in^inLÙ t qnpôn^nLpjnLùùbp hbmLjw[ n[npmùb-pnLÙ. ^npp L ùÇçÇù ÔbéùwpïnLpjnLùùbpÇ pÇùwùuùbp, Ïwpqwinpn^ L Çpw-Îwumb^ô ùwpùÇùùbp, pÇùwùuwïwù u^wén^ùbpÇ ^W2ï^wùnLpjnLù L $Ç-ùwùuwïwù qpwqÇmnLpjnLù, 2nLÏwùbp L i^wpwjÇù hwùwïwpqbp: îwpb[Ç t wéwùÔùwgùb[ O03 ^Çùwùuwïwù ébunLpuùbpÇ ûwm^b[ÇnLpjwù pwpb[wi-ùwù, [Çwqnp ùwpùùÇ pùpwgÇï W2ËwmwùùnLÛ $Çùwùuwïwù ùbpqpwiiw-ÔnLpjmù ùbpwéùwù, ÏmjnLùnLpjmù L u^Wén^ùbpÇ ^W2ï^WùnLpjWù Ïm^Ç qÇmwïgûwù, $Çùwùuwïwù hwmiwôÇ qùwhwmnLÛùbpnLÛ $Çùwùuwïwù ùbpqpwiiwônLpjwù ùbpwéùwù, $Çùwùuwïwù qpwqÇmnLpjwù ùwïwprçwïÇ pwpôpwgùwù ûÇçngwénLÛùbpÇ ù2wïùwù nL ùbprçpùwù, piwjÇù ÔLw^w^ni ùwmnLgin^ wp^jnLùpùbpÇ qôni qpwqÇmnLpjwù w^whniùwù L u^wénrç-ùbpÇ 2whbpÇ ^w2m^wùnLpjwù, rçpwùwïwù ^n^wùgmùùbpÇ wpdbpÇ ùiw-qbgùwù, ùnpwpwpwïwù mbËùn[nqÇwùbpÇ ïÇpwéùwù pùrç[wjùùwù qnpôn-rçmpjnLùùbpp7:

UéwùgpwjÇù t «iÇùwùuwïwù ùbpqpwiiwônLpjwù hwùwp hwùpùrçhw-ùnLp hwùwqnpôwïgnLpjwù» ùbpïwjwgùwùp QÇùwumwùnLÛ wùgïwgiwô qwqwpùwdn^ninLÛ 0uwùÇ ËùpÇ wéwçùnp^ùbpÇ hwiwùnLpjwùù wpdwùw-gwô «G20. iÇùwùuwïwù ùbpqpwiiwônLpjwù gnLgwùÇ2ùbpp» ^wumwpnL^-pp: "bbpwôwïwù ùwunLÙ wpÔwùwqpib[ t. «iÇùwùuwïwù ùbpqpwiiwônL-pjwù qwpqwgùwù hÇùùwïwù pwrçwrçpÇ^ùbpù pù^qpïn^ hnLuw[Ç mijw[ùbpù nLùbù i^éwïwù ù2wùwïnLpjnLù wj^ ùw^wùwïwùnLpjwù ùwuÇù mbrçbïw-mÎnLpjwù L ùwËwÔbéùnLpjnLùùbpÇ wq^bgnLpjwù Û2mwrçÇmwpïùwù hwùwp:

4 U^pjnLpp' September 2014. Financial Inclusion Action Plan (FIAP). Global Partnership for Financial Inclusion (GPFI). http://www.worldbank.org/:

5 Sb'u Financial Stability Board:

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

7 Sb'u ùnLjù mbrçp:

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^bpçm^bu, ^Çùmùum^mù ùbpqpmiimômpjmù ù2mùmlnLpjnLùù mpmm-hmjminLÙ t mûpnrçç ûninpmlÇ, mmpmôm2pçmùùbpÇ L rçpmùg ImqûnLû npn-2mïÇ bplpùbpÇ' pùmpimô gnLgmùÇ2ùbpÇ ûÇçngni ummgimô pùrçhmùmp L ûmuùminp mprçjnLùpùbpÇ ûbç10: àL2mqpmi t mjù ^mump, np bplnL, mju^bu Ïn^imô, «^npp pmqmùbpnLÛ» tl pbpimô bù <mjmummùÇ ^Çùmùum^mù ùbp-qpmiimônLpjmù qùmhmmmlmùùbpp11 °4pn^mjÇ L Îbùmpnùmlmù UuÇmjÇ mmpmôm2pçmùÇ bplpùbpÇ ImqûnLû: Dùrç npnLÙ, 2015 p. inLju mbumô ùjnL-pnLÙ, hmûbûmmnLpjnLù ImmmpbinL ù^mmm^ni, pbpinLÙ bù ùmL ùmËnprç' 2011 p. ummgimô hmûm^mmmuËmù mprçjnLùpùbpp: UjuÇùpù' «$Çùmùum-Ïmù ùbpqpmiimônLpjnLùp» ûmbi t ûbpnrçmlmù Û2mïnLÛùbpÇ L rçpmùgÇg pËn^ ¿m^b[Ç qùmhmmm^mùùbpÇ hmûmrçpbiÇmpjmù hmmimô, npmbrç, hmû-pùrçhmùmp qùmhmmm^mùùbpÇg qmm, bplpùbpù, pum mûbùmjùÇ, ÇùpùnL-pnLjù ^bmp t ÔLm^bp^bù ub^imlmù ùbpqpmiimômpjmù mumÇ^mùÇ pmpô-pmgûmù mbrçmlmù opm^mpqp:

iÇùmùum^mù ùbpqpmiimômpjmù ù2mùmlnLpjmù pmgmhmjmnLÙp ¿Ç bùpm^pnLÛ ûmuùminpm^bu <mjmummùÇ hmûm^mmmuËmù gnLgmùÇ2ùbpÇ pmùmïmïmù qùmhmmm^mùùbpÇ ûblùmpmùnLpjnLùùbp ^¿p Ïmpnrç t lm-mmpibi mji hbmmqnmnLpjnLùùbpÇ 2pçmùmlùbpnLû): Sijmi ^mpmqmjnLÙ mémçùmjÇù t bpLnLjpÇ pùlmiûmù ImpLnpnLpjmù mpmmgninLÛù mémçÇù hbp-pÇù ûÇçmqqmjÇù, m^m ùmL mbrçmlmù ûmlmprçmlùbpnLû: Om, umlmjù, ¿Ç ù2mùmïnLÛ, pb ¿bù ômqnLÙ hmpgbp, npnùg ^mmmuËmùùbpp, np^bu hbmm-qnmmïmù nL^^nLpjnLùùbpÇ mp^jnLùp, Ïmpnrç bù pmgmmpbi $Çùmùumlmù ùbpqpmiimônLpjmù mumÇ^mùÇ pmpôpmgûmù ûÇçngni npn2mïÇ bpïpÇ $Ç-

8 UrçpjnLpp' G20 Financial Inclusion Indicators. Global Partnership for Financial Inclusion (GPFI). 2016. China, tç 2: http://www.worldbank.org/:

9 Urcwçwrçp4b[ bù «oqmmqnpôûmù», «hmumùb[ÇnLpjmù» L «npmlÇ» gnLgmùÇ2ùbpÇ ibg Ëûpbp. 1. Oqmmqnpôûmù gnLgmùÇ2ùbp: 0bômhmumlùbp (7 gnLgmùÇ2): 2. Oqmmqnpôûmù gnLgmùÇ2-ùbp: SbéùmplnLpjnLùùbp (3 gnLgmùÇ2): 3. <mumùb[ÇnLpjmù gnLgmùÇ2ùbp: U^mumplûmù qÇlmlmù Ïbmbp (4 gnLgmùÇ2): 4. àpmlÇ gnLgmùÇ2ùbp: IÇùmùumlmù qpmqÇmnLpjnLù L nLùm-ÏnLpjnLùùbp (2 gnLgmùÇ2): 5. àpmlÇ gnLgmùÇ2ùbp: CnLÏmjmlmù imppmqÇô L u^mén^ùbpÇ ^m2m^mùnLpjnLù (2 gnLgmùÇ2): 6. àpmlÇ gnLgmùÇ2ùbp: Oqmmqnpôûmù Ënipùrçnmùbp (1 gnLgmùÇ2). pù^mûbùp' 19 gnLgmùÇ2ùbp: U^pjnLpp' G20 Financial Inclusion Indicators. Global Partnership for Financial Inclusion (GPFI). 2016. China, tç 4-8: http://www.worldbank.org/:

10 Sbu The Little Data Book on Financial Inclusion. 2012 by the International Bank for Reconstruction and Development/The World Bank L The Little Data Book on Financial Inclusion. 2015. The International Bank for Reconstruction and Development. The World Bank. http://www.worldbank.org/:

11 bnLjù mbrçnLû, tç 24-25:

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1. «<wjwumwùÇ <wùpw^bmnLpjwù ïbùmpnùwïwù pwùïÇ ùwuÇù» « opbùùp: Dù^nLùib[ t 30.06.1996 p.:

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СЕРГЕЙ СУКИАСЯН

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

О значении финансовой вовлеченности.- Словосочетание "финансовая вовлеченность" (Financial Inclusion) начало широко обращаться в период после всемирного финансово-экономического кризиса 2007-2009 гг. Страны группы Двадцати, наднациональные органы, международные финансовые организации и различные исследовательские инициативы участвуют в направлениях по определению "финансовой вовлеченности", по выявлению составляющих элементов, по выбору показателей характеризующих вовлеченность, по сбору и обработке данных, по выработке общих принципов мер. Исходя из списка участников процесса и накопленных объемов исследовательской деятельности, в статье отражено значение "финансовой вовлеченности" как на глобальном, так и на уровнях отдельных стран. Исследования под общим названием "методика финансовой вовлеченности" делают первичным значение "финансовой вовлеченности", конечная цель и практическое значение которых должны касаться формирования основ для организации местными силами альтернативной оценки "финансовой вовлеченности" в Армении.

Ключевые слова: финансовая вовлеченность, всемирный финансово-экономический кризис, страны группы Двадцати, глобальное сотрудничество для финансовой вовлеченности, план действий, альянс для финансовой вовлеченности, международные финансовые организации, глобальная финансовая система, финансовая стабильность, орган, имеющий полномочия по регулированию и надзору финансового сектора, предложенные 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 Meaning of Financial Inclusion.- The collocation "Financial Inclusion" was widely used in 2007-2009 after the global financial and economic crisis. The countries of Group of Twenty (G20), transnational institutions and various research initiatives are involved in the definition of "financial inclusion", identifying elements, selecting indicators that characterize inclusion, collecting and processing data, obtaining general principles of activities and identifying areas of possible development. Based on the group of activity participants and

accumulated volume of their research activity, the article reflectes the importance of "financial inclusion" perceptions, importance not only generally, but also on separate countries levels. The importance of "financial inclusion" makes the research of "financial inclusion methodology" first and forerast, whose ultimate goal and practical value should refer to the formation of estimates of "financial inclusion" in Armenia by alternative local forces.

Key words: financial inclusion, global financial and economy crisis, the summit of Group of Twenty, global partnership for financial inclusion, action plan, alliance for financial inclusion, international financial organisations, global financial system, financial stability, authority of the body to regulate and control the financial sector, indicators proposed for assessing financial inclusion. JEL: G01, G23, G32

О ЗНАЧЕНИИ ФИНАНСОВОЙ ВОВЛЕЧЕННОСТИ Текст научной статьи по специальности «Экономика и бизнес»

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