Результаты поиска 1 - 2 из 2
Начало | Пред. | 1 | След. | Конец

Individual retirement savings in the regions: Modern possibilities. Evidence from the Siberian Federal District

Grishchenko N.B. Novosibirsk State University of Economics and Management, Novosibirsk, Russian Federation ( )

Maratkanova I.V. Polzunov Altai State Technical University (AltSTU), Barnaul, Altai Krai, Russian Federation ( )

Journal: Regional Economics: Theory and Practice, #12, 2017

Subject The article deals with the issues of assessment of the actual possibilities of individual pension savings of the region's population considering the Siberian Federal District as a case study.
Objectives The article aims to assess the current capacity of the population to generate savings, as well as regional disparities in monetary income, availability and accessibility of financial institutions and the proposed financial and pension services to form individual pension capital.
Methods For the study, we used comparison and analysis techniques, and statistical methods of economic data processing. The necessary information was obtained from the various sociological and economic studies and surveys, Federal State Statistics Service, Bank of Russia, and the Pension Fund of the Russian Federation.
Results The modern stage of pension reform aims to find a cumulative model in compulsory pension insurance. The present demographic and economic causes contribute to the return of the population to pension savings. The modification of the national pension accounts for individual savings accounts determines the need to assess and monitor the individual capabilities of the population and the regional differences that exist.
Conclusions The article concludes that it is appropriate to maintain the prevailing State Pay-as-you-go scheme for pension insurance, with the possibility of voluntary retirement savings and tax incentives.

Household savings as a source of investment: Trends and prospects

Маratkanova I.V. Novosibirsk State University of Economics and Management, Novosibirsk, Russian Federation ( )

Journal: Finance and Credit, #43, 2016

Subject The article considers household savings as a potential source of domestic investment in the region's economy.
Objectives The aim is to review basic problems related to attraction of household savings, determine trends and development prospects for further investment of household savings in the economy of the region on the Siberian Federal District case.
Methods The study employs general economic and statistical methods to investigate the status of household savings. To process the statistical information, I apply the tools of the Microsoft Excel analysis package.
Results The study reveals a reduction in household savings in the Siberian Federal District and states basic problems of their attraction. The findings show that savings are concentrated within a limited number of households, as a rule, with high and average level of income. The usual form of savings is a bank deposit. In the Siberian Federal District, I highlight regions with negative savings and regions where over 26% of all savings are non-organized, therefore, they are an unrealized potential source of home investment in the economy of the region.
Conclusions Federal and regional authorities and financial and credit institutions should elaborate approaches to their policy formation to encourage household savings and involve them in the investment process to the maximum possible extent.

Результаты поиска 1 - 2 из 2
Начало | Пред. | 1 | След. | Конец

Отсортировано по релевантности | Сортировать по дате