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Population savings factors: A country and regional analysis

Malkina M.Yu. National Research Lobachevsky State University of Nizhny Novgorod (UNN), Nizhny Novgorod, Russian Federation ( mmuri@yandex.ru )

Khramova I.Yu. National Research Lobachevsky State University of Nizhny Novgorod (UNN), Nizhny Novgorod, Russian Federation ( khramova.irina@mail.ru )

Journal: Regional Economics: Theory and Pactice, #10, 2017

Importance The article deals with the issues of savings of the population in the Russian Federation and its regions and the factors that determine the savings.
Objectives The article aims to identify the mechanisms and the most significant factors in generating the savings of the population and explain their underlying interregional differences in the level of savings in the constituent entities of the Russian Federation.
Methods For the study, we used income discounting, correlation and regression, econometric, and graphical analysis methods.
Results We calculate average savings rates and the elasticity of current savings with respect to current incomes for the regions of the Russian Federation. Based on data from the Russian regions, we develop econometric models for the generation of per capita current consumption and accumulated savings, represented as a proxy variable, and the average personal deposits per capita.
Conclusions and Relevance The models developed show the significant impact of discounted revenues, agglomeration effect, wealth, demographic structure of the population, and level of financial development of the region on the level of per capita savings in regions. The results may be useful for further development of the economic theory of savings and for managing savings processes at the regional and interregional levels.


Analyzing the saving behavior of Russian banks' depositors

Malkina M.Yu. National Research Lobachevsky State University of Nizhny Novgorod, Nizhny Novgorod, Russian Federation ( mmuri@yandex.ru )

Khramova I.Yu. National Research Lobachevsky State University of Nizhny Novgorod, Nizhny Novgorod, Russian Federation ( khramova.irina@mail.ru )

Journal: Economic Analysis: Theory and Practice, #8, 2016

Subject The article considers the theory of saving behavior from the perspectives of economic theory, economic psychology and economic sociology.
Objectives The aim is to identify factors determining the saving behavior of bank depositors, their preferences for different forms of savings, and strategies of their behavior in the financial sector.
Methods The analysis of bank depositors' saving behavior is based on the social survey data conducted among the bank depositors of Nizhny Novgorod under the structured interview method. We processed the survey data using the methods of logical and statistical analysis.
Results We assessed the perception of banks by depositors, highlighted their preferences regarding different forms of savings, defined depositors' selection criteria when choosing a bank, identified types of depositor behavior. We also reviewed the impact of confidence in banking institutions, revealed and measured different strategies of bank depositors in the deposit market.
Conclusions The findings demonstrate greater trust in big and State-owned banks. The most significant selection criterion is bank's reliability. Next important criteria are service quality, convenience and profitability. Most depositors are prudent and reasonable when choosing a bank, they tend to thoroughly gather information and consult with professionals. The survey identified professional, semi-professional and trustworthy types of depositor behavior. The findings may be useful for banks to develop their strategy of interaction with depositors, for government authorities to manage household saving behavior, and for depositors to take financial decisions.


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