SEARCH
 

Search

 

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


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.


Revisiting the optimal structure of household financial resources, taking into account the financial literacy of the population

Razumovskaya E.A. Ural State University of Economics (USUE), Yekaterinburg, Russian Federation ( rasumovskaya.pochta@gmail.com )

Razumovskii D.Yu. Ural State University of Economics (USUE), Yekaterinburg, Russian Federation ( jobs.mail35@gmail.com )

Journal: Finance and Credit, #3, 2020

Subject This article verifies the original hypothesis that the level of financial literacy of the population has an impact on the structure of household expenditures.
Objectives The article aims to test if there is a correlation between the level of financial literacy of the population of the Sverdlovsk Oblast and the structure of household expenditures, based on a subjective assessment of the optimality of their own financial resources by respondents.
Methods For the study, we used a sociological survey the methodology of which is adapted from the methods of the Central Bank of Russia and OECD countries for the conditions of the Sverdlovsk Oblast, and the Nash equilibrium concept.
Results The article substantiates the hypothesis that the level of financial literacy of the population has an impact on the optimal structure of household expenditures. It also proposes original principles and criteria for the optimal structure of household financial resources based on the cost structure.
Conclusions The article concludes that more financially literate people are more likely to plan their income and expenses and are able to assess the structure of their expenditures from an optimal perspective.


Correlation between the results of social and economic development and parameters of the structure of Russian financial system

Lebedev A.V. Qualifications and Competencies Development Fund, Yekaterinburg, Russian Federation ( aleb13@bk.ru )

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

Journal: Finance and Credit, #4, 2020

Subject. The article investigates the structural parameters of the financial system, which enable to assess the quality of its structure.
Objectives. We make attempts to test the hypothesis about the availability of relationship between the structure of the Russian financial system and the results of socio-economic development.
Methods. To analyze the structure of the financial system of Russia, we employ the OECD international methodology and the data of the Central Bank of the Russian Federation.
Results. The paper presents our own interpretation of macroeconomic identical relation reflecting the factor sources of economic growth; discloses the significance of capital as a financial parameter, which is subject to transformation under the influence of advanced digital technologies; includes the coefficients, which we developed for a qualitative analysis of the financial system structure, taking into account the specifics of the Russian national economy. One of the said coefficients (the actual indicator of financial potential) is intended to reflect the level of financial digitalization.
Conclusions. Given the current controversial opinions on the impact of the financial system’s structure on economic growth, we believe that during the further study of the issue, it is important to rely not only on international methods, but also on domestic scientific developments, like the presented coefficients 5–9.


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.


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


Отсортировано по релевантности | Сортировать по дате