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Aspects of financial behavior of population during manifestations of recession in the Russian economy

Razumovskaya E.A. Ural Federal University named after the First President of Russia B.N. Yeltsin, Yekaterinburg, Russian Federation ( rasumovskaya.pochta@gmail.com )

Vakhrushev A.K. Ural Federal University named after the First President of Russia B.N. Yeltsin, Yekaterinburg, Russian Federation ( anatoliy.vakhrushev@gmail.com )

Journal: Finance and Credit, #11, 2018

Subject The article investigates financial decisions of the population that are implemented within the process of financial planning.
Objectives The purpose of the study is to examine a financial behavior of the population during cyclical changes in the Russian economy, show the influence of economic downturn on financial and consumer behavior of people, analyze trends in consumer confidence and population ranking by decile groups.
Methods The methodology of the study relies on statistical and comparative analysis, generalization, forecasting, and scientific abstraction.
Results We analyzed the loan debt of the population, calculated changes in incomes by decile groups, compared trends in savings and obligatory payments as a percentage of income, demonstrated the dynamics of consumer confidence index over the period under study, summarized market factors accompanying the stages of economic recession in Russia.
Conclusions Decreasing real incomes and the poverty impede the formation of consumer preferences. Therefore, financial and consumer behavior during recession depends on the learned experience of adaptation to negative macroeconomic changes.


Financial solutions of the population under growing differentiation of household income and volatile economy

Razumovskaya E.A. Ural Federal University named after the First President of Russia B.N. Yeltsin, Yekaterinburg, Russian Federation ( rasumovskaya.pochta@gmail.com )

Vakhrushev A.K. Ural Federal University named after the First President of Russia B.N. Yeltsin, Yekaterinburg, Russian Federation ( anatoliy.vakhrushev@gmail.com )

Razumovskii D.Yu. Ural Federal University named after the First President of Russia B.N. Yeltsin, Yekaterinburg, Russian Federation ( razumovsky.lenovo@gmail.com )

Journal: Finance and Credit, #40, 2016

Subject The paper addresses financial solutions of the population as part of financial planning of individuals.
Objectives The purpose of the study is to analyze financial decisions made during personal financial planning, in particular, the impact of the economic downturn on personal finance structure, changes in consumer sentiment and trends in the differentiation of household incomes in Russia.
Methods The study employs methods of scientific research like statistical and comparative analysis, synthesis, forecasting and scientific abstraction.
Results We compared the structure of credit resources and savings of the population accumulated in commercial banks, described the relationship of savings and mandatory expenditures, changes in the consumer sentiment index of Russian people; ranked the population by quintile groups based on the existing trends in the differentiation of household incomes.
Conclusions The findings reveal weak adaptation of the population to the volatility of the economic and geopolitical situation in the country and worldwide, which is reflected in strongly-pronounced consumer shocks. Such risks as the loss of the source of income (employment) have an adverse impact on consumer sentiment and intensify trends in social and property differentiation of the Russian population. The factors that have the most significant influence on financial decisions of Russian citizens include the behavior of disposable income, devaluation shocks, political decisions of Russian authorities.


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