СИСТЕМА ДЕРЖАВНОГО РЕГУЛЮВАННЯ ЗАОЩАДЖЕНЬ ДОМОГОСПОДАРСТВ: СУТНІСТЬ, CТРУКТУРА ТА ОСОБЛИВОСТІ ФУНКЦІОНУВАННЯ

Abstract

Households are an integral part of the national economy development of any country. This is what causes the increased attention of state authorities to the economic activities of these economic entities, its regulation to create the most favorable conditions for their economic development in the country. Households play a key role in the development of the entire service sector in the country, in particular the financial services sector, engage in entrepreneurial activities, consume goods for various purposes and are ultimately a source of labor force formation. These subjects also play a key role in the investment development of the country, investing their own financial resources in the development of enterprises, financial assets and other values. However, they can only do this if they have such free resources. In difficult conditions of the economic activity of these entities, it is extremely difficult to ensure the formation of these funds. That is why the state should play a key role in generating households’ savings and encourage this process with the methods and tools available to it. Accordingly, the article deepens theoretical provisions of the functioning and development of the state regulation system of households’ savings. This is implemented based on studying the essence of such categories as “system” and “state regulation system of households’ savings”. As a result, it is established that the state regulation system of households’ savings is a set of components that arise due to the influence of state authorities and local self-government of economic behavior of households to form their own, temporarily free financial resources that are not used for current consumption, but are stored for future use. Within the article, the structure of this system is also analyzed, its main subjects (state authorities, households), methods of influence (legal, economic, administrative and social) are identified. The results of this analysis allowed us to identify the basic features of the functioning and development of this system. Within the course of this research, it was found that the state regulation system of households’ savings is a complex object of knowledge, play an important role in the functioning of the financial system and ensuring stability of the national economy.