Research of savings behaviorhouseholds (by the example of the Amur region)

Abstract

The article analyzes the savings behavior of the Amur region population. It was noted that the development of the economy characterized by the decaying growth rates of de-gentle incomes and spending of the population, which began during the crisis of 2008-2009, and then a sharp decline in 2016 until the prerequisites for the transition to a higher "corridor" the growth rates of these indicators. in general, for 2010-2020. the population savings were reduced by 15 %, during individual periods (2017-2018) the fall in this indicator was even more expensive, which is primarily due to the stagnation of real money income and spending on durable goods. Against the background of the growth of expenses and reduce savings, the continued increase in mortgage loan goods was revealed. the current trends can lead to significant economic and social problems, since the excessive debt burden associated with a reduction in the volume of savings of the population carries the threat of mass bankruptcies, a decrease in the investment activity of economic entities and the solvency of banking sector entities and the imbalance of the economy as a whole. A number of measures aimed at maintaining the level of personal finances of households are proposed.