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Forming and directions for use of disposable income households in the implementation of the mechanism of personal financial planning

Rasumovskaya E.   (Ural Federal University named after the first Russian President B. N. Yeltsin (Yekaterinburg))

The paper presents the results of the author's empirical investigation about structure of income distribution of households obtained in the survey. Groups of respondents were ranked according to several criteria. Analysis of results revealed the ambiguity of the criteria of motivation households when making financial decisions. Shows the correlation of individual economic decisions within the personal financial planning the overall direction of costs of households and polemical aspects of the effectiveness of laissez faire policy and state regulation of the economy. Examined the levels of financial planning and is represented function that allows you to assess the impact of the determinants of consumer behavior on the magnitude and direction of spending by households. Noted the non-optimality of the consumer behavior of the population due asymmetric information, the elements of imitation and stereotypes.

Keywords:personal financial planning, financial decisions of households, consumer behavior, the public areas of the mechanism of regulation of private consumption.
 

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Citation link:
Rasumovskaya E. Forming and directions for use of disposable income households in the implementation of the mechanism of personal financial planning // Современная наука: актуальные проблемы теории и практики. Серия: ЭКОНОМИКА и ПРАВО. -2012. -№04. -С. 64-67
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