vguitВестник Воронежского государственного университета инженерных технологийProceedings of the Voronezh State University of Engineering Technologies2226-910X2310-1202VSUET10.20914/2310-1202-2022-2-413-420vguit-3157Research ArticleЭкономика и управлениеEconomics and ManagementСберегательное поведение как интегральный элемент экономического поведения индивидаSaving Behavior as an Integral Element of the Individual's Economic BehaviorШишкинаН. В.ShishkinaN. V.

д.э.н., профессор, кафедра экономической теории и мировой экономики, ул. Мичурина, 1, г. Воронеж, 394087, Россия

Dr. Sci. (Econ.), professor, economics and global economy department, Michurina str., 1 Voronezh, 394087, Russia

natalia.schischkina@ya.ruhttps://orcid.org/0000-0002-4414-284XСабетоваТ. В.SabetovaT. V.

к.э.н., доцент, кафедра управления и маркетинга в АПК, ул. Мичурина, 1, г. Воронеж, 394087, Россия

Cand. Sci. (Econ.), associate professor, management and marketing in AIC department, Michurina str., 1 Voronezh, 394087, Russia

tsabetova@mail.ruВоронежский государственный аграрный университет имени императора Петра IVoronezh State Agrarian University after the emperor Peter the Great202209092022842413420Copyright © Шишкина Н.В., Сабетова Т.В., 20222022Шишкина Н.В., Сабетова Т.В.Shishkina N.V., Sabetova T.V.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://www.vestnik-vsuet.ru/vguit/article/view/3157

В неблагоприятный период развития экономики страны особое внимание исследователей привлекают к себе различные виды субъективного экономического поведения, в числе которых трудовое, предпринимательское, кредитное Сберегательное же поведение, как считается, более актуально для периодов благополучия. Однако степень его воздействия на другие виды поведения столь велика, что его нельзя оставлять без внимания лицам, принимающим решения в государственном и корпоративном управлении. В статье проведен анализ существующих взаимосвязей разных видов экономического поведения индивидов, места среди них сберегательного поведения и его влияния на другие типы. Конкретные формы и результаты наблюдаемых взаимосвязей во многом определяются типами и особенностями сберегательного поведения. В статье сделана попытка классификации типов сберегательного поведения с целью облегчения выявления и прогнозирования их влияния на другие виды экономического поведения. В частности, предложено два основания для классификации сберегательного поведения: мотивация к накоплению и доля дохода, направляемая на сбережение. При принятии различных решений на всех уровнях управления необходимо четко осознавать, что сам факт формирования сбережений, равно как и их размер может оказывать влияние на широкий круг действий индивида в других сферах экономического поведения.

In an unfavorable period of development of the country's economy, various types of subjective economic behavior, including labor, entrepreneurial, credit, savings behavior, are considered to be more relevant for periods of well-being. However, the degree of its impact on other types of behavior is so great that it cannot be ignored by decision makers in public governance and corporate management. The article analyzes the existing relationships between different types of economic behavior of individuals, the place among them of savings behavior and its impact on other types. The specific forms and results of the observed relationships are largely determined by the types and characteristics of savings behavior. The article attempts to classify the types of savings behavior in order to facilitate the identification and prediction of their impact on other types of economic behavior. In particular, two bases for the classification of savings behavior are proposed: the motivation to save and the share of income directed to savings. When making various decisions at all levels of management, it is necessary to clearly realize that the very fact of the formation of savings, as well as their size, can influence a wide range of actions of an individual in other areas of economic behavior.

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The authors declare that there are no conflicts of interest present.