Yana I. MOLEVAKazan Innovative University named after V.G. Timiryasov (IEML), Kazan, Republic of Tatarstan, Russian Federation molevaana96@mail.ru ORCID id: not available
Kamila S. NARZIEVAKazan Innovative University named after V.G. Timiryasov (IEML), Kazan, Republic of Tatarstan, Russian Federation knarzieva171105@gmail.com ORCID id: not available
Subject. The article considers mechanisms of the effect of fear on agent behavior and economic performance. Objectives. The article focuses on the systems analysis of the impact of fear on financial behavior in crisis conditions, review of manifestations of the economics of fear, such as the growth of cash savings, panic sales in the stock market, compensatory purchases and increased borrowings, and development of stabilization measures that take into account both macroeconomic indicators and psychological factors. Methods. The research rests on a comprehensive approach, analysis, review of statistical data from Rosstat and the Bank of Russia, and works of domestic and foreign economists on behavioral economics and finance. Results. The study unveiled polarization of financial behavior of Russian households during the crisis, manifested in increased unorganized savings, redistribution of assets into hedging instruments, increased loan debt among the least well-off groups of population, etc. It noted the impact of fear on the stock market, leading to massive withdrawals and falling indices, the Bank of Russia role in stabilization of the situation through timely regulatory decisions and policy tightening. Conclusions. Emotional factors, especially fear and anxiety, are significant determinants of economic decisions, leading to systematic deviations from traditional rational models. To stabilize the financial system and restore confidence, it is necessary to implement comprehensive financial literacy programs that include principles of behavioral economics, develop proactive communication strategies, and strengthen trust in institutions through consistent application of regulatory standards.
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