ANALYSIS OF THE ECONOMIC FACTORS INFLUENCE IN THE OPTIMAL CONTROL PROBLEM OF HOUSEHOLD SAVINGS

Abstract

Household savings are an important component of the financial system. An increase in the number of households following the savings and investment financial strategies leads to economic growth. The financial behavior of the Russian population can be described as passive without a long-term strategy. Therefore, the task of its activating requires careful state regulation. Special significance it acquires in the middle class, which has sufficient income and seeks to rationalize in all areas of their lives. The article explores the problem of managing of middle-class households savings using optimal control methods, correlation and regression analysis, mathematical and computer modeling. A mathematical model of the problem of managing savings by regulating the non-savers share is presented in the form of a boundary control problem for a distributed system with a parabolic equation. The methodology for obtaining quantitative estimates of the impact of economic factors on the household savings distribution by their size is described. An example of determining the optimal reduction of the share of non-savers households in the Perm Region is given and its quantitative relationship with the volume of investment is established. The proposed methodology and the results of the calculations can be used in the development of programs to stimulate savings and socio-economic development of the region in order to increase the validity of management decisions.