Larisa Egorova

The world market for oil is a strategic commodity in the market within the leading positions of oil in the fuel and energy balance of the world, the considerable extent of international trade in hydrocarbons and the desire of States to energy security. To solve problems of increasing the efficiency of oil extraction is necessary to create certain organizational and economic conditions in the oil industry that will improve the world oil market.

The Krasnodar edge is a pilot region of increase of financialliteracy of population. The integrated assessment of income and expenditure patterns of households in the Krasnodar region. The level of financialliteracy is formed by financial education and skills of the use of knowledge in everyday life.

Financial literacy affects virtually every aspect of civilization and quality of life, a good level is required for each person not only to achieve personal goals, but also for the development of the economy and society as a whole.

The paper deals with the basic theoretical background of financial management in enterprise management, justified specifics financial analysis. The results of financial condition is justified to pay more attention to financial management as an instrument of regulation.

The author discusses the basic theoretical background of the cluster formation in the regional industry, substantiates the specificity of functioning of regional clusters, the theoretical origins of the cluster concept, periods of strengthening and weakening of attention to it as an instrument to regulate the economy.