Shneiderman I.M., Yarasheva A.V., Makar S.V. Financial Behavior of the Population: Regional Differences. Voprosy Statistiki. 2021. Vol. 28. No. 6. P. 59-68.

Abstract

The category financial behavior is meaningfully a multidimensional set. In addition, financial behavior is characterized by significant differentiation in terms of temporal and territorial positions. The article examines the dynamics of changes in the financial behavior of residents of Russian regions on the basis of official statistics. The purpose of the study is to identify the differentiation of consumer, savings and credit behavior of the population by macroregions, as well as separately within the subjects of the Far Eastern Federal District by a number of indicators for the period 2018-2020. The authors highlighted: changes in the structure of consumer spending of households; growth in the volume of deposits (deposits) of individuals attracted by banking organizations; growth of debt on loans provided by credit institutions. Macro-regions of the Russian Federation and the regions included in the Far Eastern Federal District are ranked according to such indicators as the share of expenses for the purchase of food, the growth rate of savings, the growth rate of the population's credit debt. Conclusions: real financial behavior is a function of many arguments - simultaneously acting factors that characterize both the decision-maker and his environment. The ranking of regions by a number of indicators characterizing the financial behavior of the population allowed the authors to identify the corresponding trend for macoregions and mesoregions. The data obtained provide the basis for conclusions about the relationship between the consumer, savings and credit strategies of their residents. The multiplicity of acting factors and the possibility of their combinations require constant monitoring and further clarifying studies.