Сбережения домашних хозяйств через призму поведенческих характеристик
DOI:
https://doi.org/10.22394/1993-7601-2024-75-98-116Ключевые слова:
сбережения, домохозяйство, панельные данные, логит модель, двумерная пробит модель, поведенческие характеристики, финансовое поведениеАннотация
В работе на данных лонгитюдного обследования финансового поведения домохозяйств «Всероссийское обследование домохозяйств по потребительским финансам» получено подтверждение гипотезы о том, что сберегательное поведение домохозяйств значимо зависит от поведенческих и психологических характеристик его главы. Показано, что более высокая финансовая грамотность, удовлетворенность отношениями внутри домохозяйства, ответственное распоряжение деньгами и лучшие возможности адаптации к изменяющимся условиям при прочих равных условиях положительно влияют на вероятность наличия сбережений в домохозяйстве. Построен профиль домохозяйства с высокой вероятностью сбережений (при наличии финансово грамотного главы домохозяйства) — это высокодоходное домохозяйство, где глава семьи имеет высшее и послевузовское образование, а также проявляет ответственность в распоряжении средствами. На российских микроданных результаты получены впервые.Скачивания
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Hsiao C. (2014). Analysis of panel data. 3rd ed. Cambridge University Press.
Jacobs-Lawson J. M., Hershey D. A. (2005). Influence of future time perspective, financial knowledge, and financial risk tolerance on retirement saving behaviors. Financial Services Review, 14 (4), 331–344.
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Kim K. T., Yuh Y. (2018). Financial knowledge and household saving: Evidence from the survey of consumer finances. Family and Consumer Sciences Research Journal, 47 (1), 5–24. DOI: 10.1111/fcsr.12270.
Lown J. M., Kim J., Gutter M. S., Hunt A. T. (2015). Self-efficacy and savings among middle and low income households. Journal of Family and Economic Issues, 36 (4), 491–502. DOI: 10.1007/s10834-014-9419-y.
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Rey-Ares L., Fernández-López S., Castro-González S., Rodeiro-Pazos D. (2021). Does self-control constitute a driver of millennials’ financial behaviors and attitudes? Journal of Behavioral and Experimental Economics, 93, 101702. DOI: 10.1016/j.socec.2021.101702.
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