Стратегии финансового поведения россиян: понятие, динамика, факторы

Вопросы экономики. 2021. № 10. С. 71–88.

Kuzina O. E., Моисеева Д. В.

The article presents the justification of the methodology for studying the strategies of financial behavior of the population, the dynamics of their prevalence in Russia in the period 2009—2020, as well as the assessment of the influence of socio-demographic variables on the probability of having a financial strategy in the household. The analysis of the data obtained from “Monitoring of the financial behavior of the population” for 2009—2020 demonstrated that the financial planning horizon of the majority of Russians does not exceed one year, about 50% of Russians have long-term financial goals, and about 30% have strategies to achieve them. A positive relationship was revealed with a number of socio-demographic characteristics that fit into the logic of the life cycle: age, presence of children, higher education and income.

Keywords: кредит, финансовая грамотность, финансовое поведение, сбережения, финансовые стратегии, financial behavior, savings, financial strategies, credit, financial literacy, financial behavior strategies, financial culture, financial skills, стратегии финансового поведения, финансовая культура, финансовые навыки

Publication based on the results of: Formal and informal sources for economic power in the contemporary Russian economy (2021)