СБЕРЕГАТЕЛЬНОЕ ПОВЕДЕНИЕ ГРАЖДАН В СОВРЕМЕННЫХ ЭКОНОМИЧЕСКИХ УСЛОВИЯХ

Abstract

The article presents an analysis of the current state of citizens’ savings behavior and the specifics of its implementation against the background of negative trends occurring in the economic sphere. The actions of state authorities are aimed at creating optimal living conditions for society, despite the pressure on the Russian economy from Western countries in the context of tightening relations and the introduction of sanctions measures. The identified aspects show that for Russian citizens, in the current geopolitical and economic conditions, a vector of savings formation is being acquired, which requires not only the creation, but also the maintenance of long-term investment conditions within the framework of guarantees for the preservation of financial resources invested for a long period of time. In particular, the current long-term savings program creates the opportunity to attract citizens’ funds, however, there is an insufficient level of trust, and therefore there is a need to improve the system of state guarantees for investing citizens’ financial resources for a long-term period and receiving appropriate payments from the use of financial resources.