Requirements for financial services. : Historical - economic aspects of needs for financial services Since the dawn of time, since man picked up a stick - his first instrument of labor and to modern-day humans there were certain requirements. First, the simplest, as the need for food (had to work, hunt or gather food), followed by other physiological needs. Later obzhivshis any primitive belongings or wealth, climbing into the cave and a fire, a man could never feel comfortable because of the fear of losing acquired. There was a need for security. Together with the development of society, settling on the planet, and as a consequence of competition has arisen for the best place in the sun, Homo Sapiens was beaten up in a flock, family, tribes, fairly flat, it's easier to achieve the desired and does not divide in this complex world. There is a need of involvement. All these primary needs arising from low levels of social development at the time, but despite the fact that in today's world, the secondary needs of some individuals may dominate, for most people the primary requirements (the requirements of existence) are headed by a pyramid. With the development of society, people became a new kind of needs (requirements to achieve the goals of life). Requirements for material wealth, the need for power and glory, knowledge and creativity, and even spiritual improvement. After the appearance of a measure of value, and in consequence of money, quite naturally designated persons or association having a surplus of money and those who have them want. In the Middle Ages, despite the announcement Church terrible sin of usury, the monasteries themselves act as the major creditors of the population by percentage. It is known that even the rejection of usury by Ivan the Terrible and his banning orders to issue "with the growth of the money" has already failed to stop the sensed enormous benefits to merchants and people, in dire need of material goods. Moreover, over time, the pit fell into debt with their entire families and even a few generations. At the state level was set a price of labor-debtor in the year: man - 5 rubles a year, a woman - 2.5 rubles a year, a child - 2 rubles a year. In fact, as claimed by many researchers, it is an institution of bankruptcy in Russia, in consequence directly influenced the establishment of the country of serfdom. There are three levels to meet the primary needs of existence, is: 1) a minimum level - is present in the majority of creative people, pious and religious leaders (of course, if it is not charlatans, organizing the sect under their goal). Minimum level requirements are known, many teaching martial arts, thus reaching the predominance of spirit over the body. 2) basic level - the level of providing, according to some theories, the possibility of significant intellectual and spiritual needs. Rather, the level of Middle-Class, but the levels did not foreign, but the average provincial Russia's Middle-Class, living garden, talk, television shows and football. 3) the level of luxury - the level where an end in itself is exposed above the basic level of existence, thus demonstrating a high social status. The marshal in this regard is the following statement: "Laws against luxury, proved futile, but it would be a great achievement if the morale of the society was able to persuade people to avoid all kind of boasting individual wealth." The need for public recognition, fame, power severely underestimated by modern researchers. No wonder there is an expression of "test of authority." And not all of his stand. There is only one common and popular synonym for the concept of power, fame, recognition - is, of course, money. The mentality of our people, the hope of "eternal Russian maybe, the current day life is a huge help to select the bank borrowings, as a universal solution to problems. Naturally financial institutions, insuring their risks, limit certain segments of the population access to their services. But that's not enough, because people living at a basic level, address the primary needs of existence, we have quite a lot, and need for recognition, wealth, or simply improving their needs are so great that it can not be visible. How willingly use financial institutions, gaining huge profits in the early stages and a high percentage of no return after some time. The solution in this situation is seen the development and establishment of mechanisms for interaction, information exchange, development of schemes and standards of work for all interested stakeholders. And, of course, the constant regulation of the legal field to the needs, especially economic development.