Abstract
The article is devoted to the formation of concept "personal savings", which includes the main classification criteria. Problems associated with appraising the significance of personal savings as an investment resource for innovative activities were considered. Studies of economists and scientists in the field of "personal savings" were analyzed, and the main approaches to this category were defined. The theoretical concept of "personal savings", which reflects the use of this category for the resource base of investment in innovative activities of various business entities, was proposed.
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