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Theoretical and Applied Economics
Reference:

Comparative analysis of saving behavior of the population of Russia and China (on the examples of the cities of Chita and Hefei)
Popova Evgeniya Mikhailovna

senior researcher of the Department of World Economy, Entrepreneurship and Humanities at Chita Institute (Branch) of the Baikal State University

672000, Russia, Zabaikal'skii krai, g. Chita, ul. Anokhina, 56

p_e_m_2013@mail.ru
Другие публикации этого автора
 

 
Siyal Saeed

Postgraduate student, the department of Economics and Management, Beijing University of Chemical Technology

100029, Kitai, g. Pekin, ul. Bei San Khuan, 15

saeed@mail.ustc.edu.cn
Mezentseva Irina Vitalevna

PhD in History

Docent, the department of World Economics, Entrepreneurship and Humanitarian Disciplines, Chita Branch of Baikal State University

672000, Russia, Zabaikal'skii krai, g. Chita, ul. Anokhina, 56

iv_mezenseva@mail.ru

Abstract.

People’s savings play an important role in the development of national economy as they are referred to the main sources of financial investments. An essential condition for implementation of this role is the consumer demand for the services of financial intermediaries, which transform unorganized savings into organized savings, with subsequent involvement into investment process. Russia’s economy experiences deficit of “long-term money” that can be restored in form of bank deposits, insurance contracts, and pension plan. The subject of this research is the analysis of saving behavior of the population of Russia and China, namely such fundamental aspects as the goals and motives, frequency and rate of savings, and relevance of various saving instruments. The sociological survey became the main research method. The author also used the methods of formal logics, statistical methods, and basic methodology devised by the scholars of University of Michigan. The scientific novelty consists in calculation of the indexes of saving behavior that the encompassing indicators of the people’s saving activity. It is concluded that the population of Hefei is known for its higher level of optimism. Lack of interest in acquiring additional income results in the fact that the majority of respondents from both countries form unorganized savings; while bank deposits remain the most demanded for of organized savings. The low percentage of organized savings is associated with the limited financial capacities, insufficient level of financial literacy, and low yield of the basic saving instruments.

Keywords: savings motives, expectations of population, savings ratio, family wealth, saving sentiment index, saving tools, investment, savings, derive extra revenue, order of income distribution

DOI:

10.25136/2409-8647.2019.3.30391

Article was received:

27-07-2019


Review date:

28-07-2019


Publish date:

30-09-2019


This article written in Russian. You can find full text of article in Russian here .

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