ФІНАНСОВА ПОВЕДІНКА ДОМОГОСПОДАРСТВ УКРАЇНИ В УМОВАХ ВІЙСЬКОВОЇ АГРЕСІЇ ТА ЇЇ ВПЛИВ НА ФОРМУВАННЯ ДОВГОСТРОКОВИХ ТРЕНДІВ ПІСЛЯВОЄННОГО РОЗВИТКУ

Abstract

The article analyzes the financial behavior of households in Ukraine in the conditions of an unstable socio-economic situation caused by military aggression on the part of Russia. Special attention is paid to highlighting the problem of saving behavior, considering that the savings of the population is the internal financial potential of the economy, which has become more relevant in the current conditions. The dynamics of aggregate incomes, the dynamics and structure of aggregate expenditures, growth rates, and the specific weight of household savings in 2013–2021 were analyzed. The dependence of the financial behavior of households in 2022 on the assessment of the level of well-being, the index of consumer sentiment, the index of the current situation and the index of economic expectations was determined. A number of problems that prevent the attraction of household savings into the economy of Ukraine are outlined, and the main ways to overcome them are proposed. The essence of the financial behavior of households has been clarified, the dynamics of savings in their incomes have been analyzed and, on this basis, the modern trends of changes in such behavior and the possibility of increasing the level of savings through the prism of their relationship and role as a financial source of post-war recovery have been identified. The information obtained as a result of surveys of households regarding the level of their well-being was analyzed for the further assessment of the financial behavior of households in Ukraine at the current stage. Operational information about the mood in society, consumer preferences and saving behavior of the population is provided. The problems that prevent the effective formation of financial resources of households and their investment in the country's economy are outlined. The state of financial behavior of households is analyzed in the context of outlined problems related to attracting household savings to the economy of Ukraine, and the most priority directions for overcoming them are given. There are ways to optimize certain aspects of the financial behavior of households and to direct it to the harmonization and positive dynamics of private and national interests.