Ryzhov Valentin Vladimirovich

Based on the institutional approach, the article proposes an interpretation of the concept of ’investment environment’ - complex system that provides the accumulation and redistribution of human, material and financial resources and includes a set of investment objects and subjects, the financial (investment) market, investment entities, legal norms and public institutions that ensure self-regulation and regulation of the investment environment, as well as socio-cultural traditions and customs of business turnover inherent in such an environment.

Based on this approach, the article examines the content and implementation of the Russian Government's "Strategy for Improving Financial Literacy and Financial Culture until 2030", considering the fragmentation of the Russian financial market due to socio-economic differentiation, institutional features, as well as the level of human capital and human development in the regions. Arguments are given in favor of the priority of a regional approach in the implementation of the national goals of the specified "Strategy", in view of the property opportunities, needs and socio-cultural specifics of citizens. Conclusions are drawn about the need to analyze and comprehend regional peculiarities, to foster a systematic approach and consistency in the implementation of financial literacy, and to adopt measures to support local financial entities.