The Essence and Main Differences of Consumer Societies from Credit Consumer Cooperatives in the Light of Attracting Citizens' Funds

O. Yudina

doi:doi:10.12737/2587-9111-2021-9-6-51-55

UDC 33

The Essence and Main Differences of Consumer Societies from Credit Consumer Cooperatives in the Light of Attracting Citizens' Funds

Published в Scientific Research and Development. Economics · Volume 9, Issue 6, 2021 · Pages 51–55 · Rubrics: Сommon questions

DOI 10.12737/2587-9111-2021-9-6-51-55

Received: 22.12.2021 Accepted: 27.12.2021 Published: 27.12.2021

Authors

O. Yudina ¹

1 Leo Tolstoy Tula State Pedagogical University (Department of Economics and Management, Associate Professor)
Tula, Russian Federation

ABSTRACT

The article is devoted to the comparative analysis of the essence of consumer and credit cooperatives in the context of attracting citizens' funds, the transformation of their economic processes and functions in the genesis of microeconomic development. The research is based on the analysis of historical documents and Russian publications, as well as on statistical conclusions of economic data. The aim of the study was to study the evolution of consumer societies and credit cooperatives as instruments for attracting household finances on the example of Russian and foreign companies since the middle of the XIX century. Semantic definitions of the categories consumer society and consumer credit cooperative, tasks and historical stages of the development of the studied communication tools in the field of attracting the means of the population are determined. The author's experience of comparative characteristics of the analyzed economic entities is proposed, reflecting the risks, advantages and disadvantages of the studied communication objects. The functions of the Bank of Russia as the main regulator of consumer credit cooperatives are disclosed. The final results of the study substantiate the importance of financial literacy and present an algorithm that allows the population to distinguish the legal activities of consumer credit cooperatives from fraudsters.

KEYWORDS

consumer credit cooperative consumer society genesis evolution regulator shareholders

Information References

Authors:

1. Leo Tolstoy Tula State Pedagogical University (Department of Economics and Management, Associate Professor)

Tula, Russian Federation

Type:

Article

Pages:

from 51 to 55

Status:

Published

Subject area:

UDC 33

Language:

Russian

Keywords:

consumer credit cooperative, consumer society, genesis, evolution, regulator, shareholders

References

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10. Postradavshie vkladchiki «Kapital Investa» potrebovali cherez sud okolo 1 mlrd rubley [Elektronnyy resurs]. URL: https://interfax-ru.turbopages.org/interfax.ru/s/business/670021 (data obrascheniya: 21.09.2021).

11. Regulyator preduprezhdaet: ne stoit putat' KPK s potrebitel'skim obschestvom [Elektronnyy resurs]. URL: https://cbr.ru/press/event/?id=544 ( data obrascheniya: 10.09.2021).

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