• A
  • A
  • A
  • АБВ
  • АБВ
  • АБВ
  • A
  • A
  • A
  • A
  • A
Обычная версия сайта
  • RU
  • EN
  • HSE University
  • Publications
  • Articles
  • Финансовое поведение домохозяйств в период пандемии
  • RU
  • EN
Расширенный поиск
Высшая школа экономики
Национальный исследовательский университет
Priority areas
  • business informatics
  • economics
  • engineering science
  • humanitarian
  • IT and mathematics
  • law
  • management
  • mathematics
  • sociology
  • state and public administration
by year
  • 2028
  • 2027
  • 2026
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012
  • 2011
  • 2010
  • 2009
  • 2008
  • 2007
  • 2006
  • 2005
  • 2004
  • 2003
  • 2002
  • 2001
  • 2000
  • 1999
  • 1998
  • 1997
  • 1996
  • 1995
  • 1994
  • 1993
  • 1992
  • 1991
  • 1990
  • 1989
  • 1988
  • 1987
  • 1986
  • 1985
  • 1984
  • 1983
  • 1982
  • 1981
  • 1980
  • 1979
  • 1978
  • 1977
  • 1976
  • 1975
  • 1974
  • 1973
  • 1972
  • 1971
  • 1970
  • 1969
  • 1968
  • 1967
  • 1966
  • 1965
  • 1964
  • 1963
  • 1958
  • More
Subject
News
September 15, 2026
Immunity to Chaos: How Personal Resources Help Us Cope with the Challenges of a Turbulent World
International conflicts, crises and digital overload—the modern world puts our minds to the test every day. Traditional psychology often focuses on the consequences: anxiety, depression, and psychosomatic disorders. But what if we looked at the problem differently—through the lens of the resources that prevent us from breaking down? Psychological immunity is precisely this set of resources. Alena Zolotareva and her group, Psychological Immunity as a Resource for Positive Functioning, are developing an integrative model of this phenomenon, adapting diagnostic tools and preparing for large-scale empirical research. Why do psychologists need to collaborate with medical professionals, and how could their research transform preventive care in clinics and corporations?
September 11, 2026
How to Assess Students Knowledge in the Age of AI
A researcher at HSE University has proposed a flowchart to help lecturers decide how to assess students who use artificial intelligence. It shows where the use of AI should be restricted and where it can be incorporated into the learning process. The article has been published in IT Professional.
September 9, 2026
‘Balkan Hospitality Opens Doors: Studying Dialects on the Verge of Extinction
You cannot study spoken dialects from books. Instead, you need to go to a village, seek out its elders, and earn the trust of local residents before you can record hours of spontaneous stories. This is how Natalia Muravleva, Associate Professor at the Faculty of Humanities, conducts her research. Her internship in Serbia continued her long-standing study of dialects spoken by Macedonian settlers. In this interview, she discusses how diaspora cultural centres help researchers reach informants, why native speakers need to be interviewed only in their own language (otherwise, as she puts it, they may 'break'), and how a single field season helped her finalise her monograph. She also shares warm memories of autumn in Belgrade and of colleagues with whom grammar can be discussed in three languages at once.

 

Have you spotted a typo?
Highlight it, click Ctrl+Enter and send us a message. Thank you for your help!

Publications
  • Books
  • Articles
  • Chapters of books
  • Working papers
  • Report a publication
  • Research at HSE

?

Финансовое поведение домохозяйств в период пандемии

Вопросы экономики. 2023. № 8. С. 123–146.
Bessonova E., Tsvetkova A.

This paper is based on data of the Household Finance Survey carried out from 2013 to 2020. The analysis shows that household income growth was less affected by the pandemic than by the economic downturn in 2015. Consumer lending continued to expand in 2020, with a rising percentage of lower income borrowers. The increase in the share of highly indebted households and the overall growth of debt burden were moderate in 2020. An outstanding consumer loan did not have a significant negative effect on the self-assessment of a respondent’s financial situation on average. This negative effect was statistically significant among families with children and borrowers from vulnerable categories of workers.

Research target: Economics and Management
Language: Russian
Full text
DOI
Text on another site
Keywords: кредитованиеhousehold incomeдоходы домохозяйствhousehold expenditurelendingрасходы домохозяйствpandemic COVID-19пандемия COVID-19household debt burdenдолговая нагрузка домохозяйств
Similar publications
Повестка устойчивого развития после 2030 года: возможные развилки
Makarov I. A., Россия в глобальной политике 2026 Т. 24 № 4 (140) С. 164–182
Три с половиной года остаётся до 2030-го – окончания срока реализации Целей устойчивого развития (ЦУР) – главной международной инициативы, устанавливающей долгосрочные ориентиры для будущего человечества. Уже очевидно, что она провалилась: преодоление бедности, решение экологических проблем и построение инклюзивного и справедливого общества остались красивой мечтой.  Кто-то может воспринимать ЦУР как памятник человеческой наивности. Но надо понимать, что эта ...
Added: September 14, 2026
The ripple effect: How fake news shapes stock market behavior
Fedorova E., Ledyaeva S., Stepanov V., International Review of Economics and Finance 2026
This study investigates the influence of low-quality information, specifically fake news, on short term stock returns, contributing to the discourse on signal theory and behavioral economics. Employing a machine learning approach, the authors developed a robust fake news dataset from publicly available sources. Sentiment analysis was conducted using a FinBERT model fine-tuned for stock market contexts, alongside extensive dataset ...
Added: September 12, 2026
Модели музеефикации индустриального наследия и их роль в брендинге туристических дестинаций
Карпова Д. А., Sizova I., Gordin V. E., Креативные индустрии 2026 Т. 2 № 2 С. 10–31
This article examines the musealisation of industrial heritage and its role in regional and corporate branding. The relevance of this study stems from deindustrialisation processes, the growth of industrial tourism, and the need to preserve historical memory, which is particularly important in the context of Russian realities—the lack of a legal definition of the concept ...
Added: September 9, 2026
Адаптация российских десертных брендов на китайском рынке: социокультурный аспект
Veselova L. S., Морозова В. С., Дарчиева А. А., Управленец 2026 Vol. 17 No. 4 P. 66–78
На фоне развивающихся торгово-экономических отношений между Россией и Китаем российские десерт- ные бренды получают новые возможности для выхода на китайский рынок. Однако их присутствие ограничено преи- мущественно приграничными регионами, а продвижение сдерживается недостаточной адаптацией к социокультурным особенностям китайских потребителей. Статья посвящена разработке практических рекомендаций по формированию стратегии адаптации российских десертных брендов к специфике китайского рынка. ...
Added: September 9, 2026
When green is not attractive: energy transition, capital inflows, and environmental outcomes in BRICS economies
Kilinc-Ata N., Warong M. M., SN Business & Economics 2026 Vol. 6 Article 326(2026)
Green transitions are widely expected to attract cleaner capital and accelerate decarbonization; however, emerging-economy evidence increasingly challenges this assumption. This study examines the dynamic relationship between energy transition indicators and capital inflows in BRICS+ economies over the period 1996–2022, explicitly testing the “Green Haven” hypothesis under conditions of global uncertainty. Unlike much of the existing ...
Added: September 9, 2026
Macroeconomic determinants of the green transition: a regime-switching analysis of Indonesian clean energy start-ups
Warong M. M., International Journal of Diplomacy and Economy 2026
This study conducted in Indonesia between 2000 and 2023, demonstrates a complex, non-linear interplay between the economic environment and the emergence of clean energy start-ups. Using Autoregressive Distributed Lag and Markov Switching models, the research shows that start-up formation coincides with periods of lower GDP growth, suggesting that innovation is often spurred by necessity. Two ...
Added: September 9, 2026
Влияние электоральной неопределенности выборов президента США на криптовалютный рынок
Кореневский В. В., Экономика и математические методы 2026 Т. 25 № 3 С. 853–878
The US presidential election is a lengthy and complex process, during which candidates present their views and programs for reforming the country's politics and economy, while mass media broadcast these positions to a wide audience. In the most recent election, the topic of cryptocurrencies was used in the campaign for the electorate for the first ...
Added: September 8, 2026
Breaking the glass ceiling: female board representation, CSR and firm performance of Russian firms
Veselova A., Dikova D., Aray Y., Asia Pacific Journal of Management 2026
We examine board of directors’ gender diversity and corporate social responsibility (CSR) disclosure of Russian firms, and test for their effects on the market valuation of these firms. The Russian context is unique because gender disparity of boards and top management remains high in Russia due to historical legacy, absence of specific diversity-promoting regulations and ...
Added: September 8, 2026
Драйверы роста китайского экспорта
Mozias P., Социальные и гуманитарные науки. Отечественная и зарубежная литература. Серия 9: Востоковедение и африканистика 2026 № 2 С. 173–208
Abstract. Over the years of market reforms, China has moved from an autarkic economy to the position of the world’s largest trading power, becoming a global leader both in export volume and in total foreign trade turnover. For a long time, China’s export success was commonly explained by her use of comparative advantages in labor-intensive ...
Added: September 7, 2026
Формирование экономики замкнутого цикла: анализ инструментов вовлечения потребителей в практики ответственного потребления
Kolesnik N. A., Общество и экономика 2026 № 1-2 С. 114–134
Стремительно растущее население планеты и рост объемов индивидуального потребления при низкой включенности населения в экологические практики признается ключевым препятствием на пути к экономике замкнутого цикла. В статье анализируется использование огромного рекламно-коммуникационного потенциала крупных торговых сетей для вовлечения населения в экономику замкнутого цикла через повышение экологической сознательности и популяризацию ответственного потребления. Эмпирической основой исследования стала база данных коммуникации шести ...
Added: September 6, 2026
Динамика производительности российских предприятий в 2018—2024 гг.
Bessonova E., Мякишева С. М., Новиков С. В., Вопросы экономики 2026 № 8 С. 95–124
This paper examines total factor productivity (TFP) dynamics among Russian enterprises from 2018 to 2024, using translogarithmic production function estimates for 290 industries. To address endogeneity and functional dependence issues, we employ the Ackerberg—Caves—Frazer methodology with a control function approach. Our findings reveal distinct sectoral patterns. In mining, both simple average and value-added-weighted TFP rose ...
Added: August 13, 2026
Потребительские и финансовые практики среднего класса в России: неотъемлемые черты или факторы дифференциации?
Pishnyak A., Khalina N., Nazarbaeva E., Вопросы экономики 2026 № 5 С. 34–50
Drawing on the analysis of the consumer and financial practices of the Russian middle class, this article examines whether these practices represent its inherent characteristics or serve as factors of internal differentiation. Using a multidimensional definition of the middle class based on respondents’ income level, education, and occupational status, and relying on data from a ...
Added: May 28, 2026
Самооценка состояния здоровья взрослого населения Российской Федерации: анализ динамики за 2019–2024 гг.
Сахарова Г. М., Антонов Н. С., Stadnik N., Здравоохранение стран СНГ 2025 Т. 1 № 1 С. 42–49
Introduction. Self-rated health is the most widely used indicator of health, taking into account all its components - physical and mental health, emotional, social and financial well-being. Although individuals rate their health based on their own perceptions, when aggregated, the indicator accurately represents the health of the entire population. The purpose of the study: based ...
Added: April 10, 2026
Право на справедливое судебное разбирательство в период пандемии новой коронавирусной инфекции
Parshenko V., Журнал юридических исследований 2022 Т. 7 № 2 С. 32–34
The author raises the question of the importance of maintaining the full functionality of the judicial system during the period of extraordinary regimes, such as the pandemic of a new coronavirus infection. Particular attention is paid to the role of the judiciary in resolving issues of violation of human and civil rights during emergency situations, taking into account ...
Added: March 11, 2026
О возможности проведения юридической экспертизы ряда сделок в банках с помощью специализированной программы для ЭВМ
Большаков Д. В., Юридическая работа в кредитной организации 2005 № 2
В первом номере журнала «Юридическая работа в кредитной организации» (Издательство «БДЦ-Пресс», март 2005 г.) была опубликована статья, посвященная проблемам, которые существуют при проведении юридической экспертизы сделок, заключаемых банками в процессе кредитования, выдачи банковских гарантий, оказания факторинговых услуг. В частности, в этой статье внимание читателей было обращено на то, что процесс проведения юридической экспертизы заключаемых банком ...
Added: February 13, 2026
Проблемы проведения юридической экспертизы сделок в банках
Большаков Д. В., Юридическая работа в кредитной организации 2005
Данная статья посвящена проблемам, существующим при проведении юридической экспертизы сделок, заключаемых банками в процессе кредитования, выдачи банковских гарантий, оказания факторинговых услуг. ...
Added: February 13, 2026
Shifts in emancipative values during times of crises: Longitudinal evidence from the COVID-19 pandemic in Russia
Korsunava V., Sokolov B., Welzel C., Asian Journal of Social Psychology 2026 Vol. 29 No. 1 Article e70078
Alongside collectivism–individualism, autonomy–embeddedness, and monumentalism–flexibility, emancipative values (EV) constitute one of the most powerful cultural markers of societal differences in economic  development, demographic change, and levels of liberal democracy. However, the evolutionary emancipation theory's validity relies on the assumption that values crystallize in early adolescence and persist across the lifespan—a premise lacking robust empirical scrutiny. Given ...
Added: January 13, 2026
Много ли мы тратим на еду? Доля потребления продуктов питания и доходы домашних хозяйств в России в 2001-2023 гг.
Ternovskiy D., Aleksandrova P., Voskoboynikov I. et al., Проблемы прогнозирования 2026 № 2(215) С. 6–22
The work analyzes the correspondence between the share of food expenditure in Russia and per capita household income using the Engel curve. Generally, taking into account possible measurement errors, household behavior follows the classical empirical relationship observed in many countries - as income rises, household food consumption increases, and the share of food costs in ...
Added: January 11, 2026
Социально-экономический градиент здоровья детей в России: формирование неравенства в раннем возрасте
Khabibullina A., Прикладная эконометрика 2025 Т. 80 С. 68–92
This study examines the relationship between household income and children's health across the 0–6 age group, using RLMS HSE data from 2009 to 2021. General self-assessed health and presence of chronic conditions do not show statistically significant dependence on family income. However, stunting, as a more objective indicator, reveals a significant association between household income ...
Added: December 13, 2025
К проблеме доступности медицинской помощи в России
Chetaeva K., ЭКО 2025 Т. 55 № 6 С. 100–117
The paper considers the accessibility of health services provided by state medical institutions to the Russian population. The dynamics of the resources of healthcare organizations, as well as the availability of medical care and the reasons for failure to deliver it in 2011–2022 are investigated. The change in the average time spent on receiving an ...
Added: November 26, 2025
Психологические ресурсы и их роль в динамике соматизации: результаты лонгитюдного исследования в период пандемии COVID-19
Zolotareva A., В кн.: Психология стресса и совладающего поведения: ресурсы и устойчивость в мире неопределенности: материалы VII Международной научно-практической конференции.: Кострома: Костромской государственный университет им. Н.А. Некрасова, 2025. С. 148–150.
The article describes the results of a longitudinal study revealing the role of psychological resources in the dynamics of somatization during the COVID-19 pandemic. The findings demonstrate that more developed psychological resources, such as optimism, resilience, and self-efficacy, are associated with lower levels of somatic symptom burden. In conclusion, the study emphasizes that these results ...
Added: November 26, 2025
Психометрические свойства русскоязычной версии индекса недоверия к медицинским организациям
Zolotareva A., Психологические исследования: электронный научный журнал 2026 Т. 19 № 106 Статья 3
Medical mistrust is an important source of threat to modern healthcare organizations, and it became more pronounced during the COVID-19 pandemic. The aim of this study was to adapt the Russian version of the Medical Mistrust Index (MMI), designed to examine the degree of trust-mistrust in medical organizations on the part of citizens and consumers ...
Added: October 31, 2025
Comparative analysis of the structural transformation of consumption in Russia and China
Kozyreva P. M., Zhu D., Smirnov A. I., RUDN Journal of Sociology 2025 Vol. 25 No. 3 P. 565–579
The article is based on the results of the joint Russian Chinese research project. The authors use sociological and statistical data to consider the specifics of the structural shifts in the population’s consumption, which occurred under modernization in Russia and China. During the last thirty years, given an increase in population’s income and expenses, the ...
Added: October 29, 2025
Потребительское поведение россиян в условиях внешних шоков (2020-2023 гг.)
Roshchina Y., Tikhomirova A., Kotelnikova Z., Российский журнал менеджмента 2025 Т. 23 № 2 С. 226–248
Purpose: to identify key trends in consumer behavior among Russia’s urban population in the face of external shocks. Methodology: the study analyzes R-TGI data collected by IPSOS in 2020-2023. Findings: between 2020 and 2023 the Russian population experienced two external shocks - the COVID-19 pandemic and the onset of the special military operation. Though non-economic in ...
Added: October 15, 2025
  • About
  • About
  • Key Figures & Facts
  • Sustainability at HSE University
  • Faculties & Departments
  • International Partnerships
  • Faculty & Staff
  • HSE Buildings
  • HSE University for Persons with Disabilities
  • Public Enquiries
  • Studies
  • Admissions
  • Programme Catalogue
  • Undergraduate
  • Graduate
  • Exchange Programmes
  • Summer University
  • Summer Schools
  • Semester in Moscow
  • Business Internship
  • Research
  • International Laboratories
  • Research Centres
  • Research Projects
  • Monitoring Studies
  • Conferences & Seminars
  • Academic Jobs
  • Yasin (April) International Academic Conference on Economic and Social Development
  • Media & Resources
  • Publications by staff
  • HSE Journals
  • Publishing House
  • iq.hse.ru: commentary by HSE experts
  • Library
  • Economic & Social Data Archive
  • Video
  • HSE Repository of Socio-Economic Information
  • HSE1993–2026
  • Contacts
  • Copyright
  • Privacy Policy
  • Site Map
Edit