Problems of Managing Household Saving Behavior in the Russian Federation under Conditions of Economic Uncertainty

The purpose of this study is to identify the key problems associated with managing the saving behavior of Russian citizens under conditions of macroeconomic instability and to develop recommendations for improving savings policy. The study is based on a systems approach and employs methods of statistical and comparative analysis, as well as elements of econometric modeling. The empirical basis of the research was formed using data from NAFI, statistics from the Bank of Russia, and Rosstat. The results reveal structural changes in household saving preferences and identify four key groups of problems: declining real incomes, the gap between financial literacy and actual financial behavior, inflationary erosion of savings, and the concentration of risks and fraud. Correlation and regression analysis demonstrates that the most significant factors reducing the household saving rate are increasing debt burden and elevated consumer expectations, whereas the impact of the key interest rate remains limited (with an elasticity of approximately 0.375). The authors propose a set of measures aimed at developing targeted savings instruments, strengthening cybersecurity, and improving long-term investment instruments. The findings of this study may be useful to a broad range of specialists, including representatives of public authorities and regulatory agencies, employees of banks, investment companies and asset management funds, as well as academics, marketers, economists, sociologists, psychologists, and specialists in behavioral economics.

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