SEARCH
 

Search

 

Результаты поиска 1 - 4 из 4
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 ( grischenko2002@mail.ru )

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

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.


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

Grishchenko N.B. Novosibirsk State University of Economics and Management (NSUEM), Novosibirsk, Russian Federation ( grischenko2002@mail.ru )

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

Journal: National Interests: Priorities and Security, #5, 2019

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 ( maratkanova@inbox.ru )

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.


The impact of internal and external environment factors on savings behavior of households in Russia

Маratkanova I.V. Polzunov Altai State Technical University, Barnaul, Altai Krai, Russian Federation ( maratkanova@inbox.ru )

Journal: Finance and Credit, #1, 2019

Subject The article investigates factors impacting the savings behavior of Russian households.
Objectives The study aims to create a unique classification of factors influencing the savings behavior of Russian households.
Methods I performed a comparative analysis of theoretical and empirical studies published in the Russian economic literature over the past twenty years on the problem of determining the factors impacting the savings decisions of Russian household members.
Results I present an original classification of factors impacting the savings decisions of households based on the systems approach. The classification includes internal and external factors. The former impact on income and property, consumer, social status, entrepreneurial, cultural and educational, and psychological factors that depend on internal potential of households. The latter include financial, economic, institutional, socio-political, legal, demographic, environmental, and natural resource factors, i.e. those that are not dependent on the will of households, but have a significant impact on savings decisions of household members.
Conclusions The unique classification may help further studies on assessing the savings potential of households. Legislative and executive authorities may use it to model effective mechanisms to boost household savings decisions and use savings as the most significant source of national investment.


Результаты поиска 1 - 4 из 4
Начало | Пред. | 1 | След. | Конец


Отсортировано по релевантности | Сортировать по дате