文章基本信息

标题：Transformation of Investment and Savings Behavior of High-Income Groups during the Crisis
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作者：Aleksandrova O.A. ; Yarasheva Aziza V.
期刊名称：Economic and Social Changes: Facts, Trends, Forecast
印刷版ISSN：2307-0331
电子版ISSN：2312-9824
出版年度：2016
期号：1
页码：122-137
DOI：10.15838/esc/2016.1.43.8
出版社：ISEDT RAS
摘要：On the basis of the results of research conducted in a number of cities in Russia, it presents the main models of investment and savings behavior of high-income groups of the population in the conditions of the unfolding crisis. Displaying the influence on the choice of a particular model representations of the respondents about the situation in the banking sector and economy as a whole, determine the nature of the emerging attitudes and expectations. Analyzed approaches of secured households in choosing the bank and deposit type, as well as the willingness to use other ways to invest, including participation in the voluntary pension insurance system; it reflects the experience of borrowing and related to different credit products. The negative developments in the economy and the financial sector anxiously perceived by households, causing parallel with crises of 1998 and 2008 and even with the era of the 1990s. In the near future all expect worsening of the recession. At the same time respondents, focuses on the effect of sanctions and the decline in oil prices, believed that it will be short. Other respondents, which concerned about the degree of de-industrialization and inefficient state administration, predict long-term economic trouble. The majority of respondents expect the upheavals in the banking sector, and half of them believe that they will be ambitious and will have a significant negative impact on the economy. As before the crisis, this income group prefers to save rather than invest; exceptions are the investments in real property or in their own business. The preferred form of savings is ruble deposits in major Russian banks within the amounts provided by the deposit insurance system.
关键词：investments; economic crisis; credits; saving; banking system; high-income groups; deposits; pension accumulations