СУТНІСТЬ ОЩАДНОЇ ПОВЕДІНКИ ТА ЇЇ РОЛЬ У ФОРМУВАННІ ЕКОНОМІЧНОЇ ПОВЕДІНКИ ДОМОГОСПОДАРСТВ

Abstract

The economic behavior of households plays an important role in the development of the country’s economy, is formed due to the impact of a significant number of factors, and produces the factors that determine further functioning of the national economy. These economic entities are important and integral economic institutions, and therefore the issues of the effective use of their economic potential are extremely relevant for further development of the sectors and spheres of the country’s economy without exception. Households play the most important role in the processes of consumption, offer formation for labor forces and development of the financial system of the country, especially its individual subsystem – the financial market. The model of the economic behavior formed by them quite often determines stability of the country’s economic behavior. The purpose of the article is to deepen theoretical provision of formation and transformation of the economic behavior of households, clarify the main components of such behavior, specify the content, determine the role of the saving behavior in the economic behavior model of households. In the article, the essence of the economic behavior of households is considered in detail (the following components are highlighted, namely: profit, consumption, entrepreneurship, labor, charity, innovation and financial), its role in formation of the saving behavior of households is specified. Considerable attention is also paid to specifying the essence of the saving behavior of households, which is implemented based on the analysis of the content of the definition "savings" and studying the features of formation of household savings in open system of the national economy. As a result, it is proposed to consider the saving behavior as a set of actions, managerial decisions that are related to the disposal of the personal financial resources and consist in the part of such resources withdrawn by these entities form the consumption process to store them for future use or to provide them to other business entities in order to obtain the additional income. The analysis of the proposed interpretation of the essence of the saving behavior of households allowed us to identify the specific features of such behavior, to justify its difference from the deposit behavior of these economic entities.