ПОВЕДІНКОВІ АСПЕКТИ ФІНАНСОВОЇ БЕЗПЕКИ ДОМОГОСПОДАРСТВ

Abstract

The current situation in Ukraine is a difficult stage of economic development, new conditions for the functioning of the country as a whole, individual business entities, and households are emerging. The set of threats from the external and internal environment actualizes the problems of ensuring financial security. The article is devoted to topical issues of behavioral aspects of household financial security. The relationship between households and the financial system of the country was studied. Based on the analysis of scientific approaches to the essence of financial security, it was established that the financial security of households is a complex set of relationships that ensures a stable state of protection against various threats and risks. The main objects of financial security are the financial resources and assets of households. The basis for ensuring financial security is the adoption of financial decisions by households. It has been proven that the level of financial security is influenced not only by economic risks and threats, but also by behavioral factors. The key external and internal threats and risks of households in modern conditions are outlined, taking into account behavioral factors. Attitude to risk, psychological and social factors, financial literacy are indicated as the main behavioral factors. It is also important to consider internal and external threats that can affect financial security, such as a worsening economic situation in the country, job loss, medical expenses and unexpected financial expenses. It was found that the behavioral factors that influence the financial decisions of households include heuristics, emotions, market influence, loss aversion. Financial literacy, as the ability of households to effectively manage their finances, directly affects financial security. It is substantiated that the level of financial security of households depends not only on the strategies of managing one's own financial resources, but also on the activities of the state. Strategies for reducing the negative impact of behavioral factors on the financial security of households at the state and household levels have been identified.