АДАПТАЦИЯ НАСЕЛЕНИЯ В КРИТИЧЕСКИ ИЗМЕНЯЮЩИХСЯ УСЛОВИЯХ ФУНКЦИОНИРОВАНИЯ ФИНАНСОВОГО РЫНКА

Abstract

The article is devoted to the study of methodological approaches of adapting households to high volatility, dynamic shifts, changes in parameters and predictors of the financial market occurring in the context of financial and economic crises. A wide range of modern theoretical and methodological approaches to determining and changing the role of financial markets, financial organizations and households, their influence on the structure and dynamics of the development of national and world economies were analyzed. A study has been carried out on the adaptation of households as an economic category. The application of the main criteria for selecting and forming a methodology for assessing the level of adaptation of households to the conditions of the financial market was analyzed: the ability and ability of consumers to consciously acquire financial services, including the level of financial literacy of the population, the quality and accessibility of financial services, consumer confidence in financial institutions, the level of government regulation of the financial market, the vulnerability of households to financial and economic crises and price shocks. To effectively target and implement adaptation processes in the context of dynamic changes, a model for assessing the level of adaptation of households has been proposed. As a result of the implementation of the developed model, it is possible to create a new and improve the existing mechanism for adapting households to the changes taking place and conscious consumption of financial services by households. The work focuses on the need for households to develop appropriate skills and perceptions of trends and patterns in the development of the financial market and economy. Methods and models for quantifying the adaptation of households, the level of economic adaptation of households to changing financial market conditions are presented in the form of a function including selected criteria and levels.