Investments. The role of household income as a source of investment financing (the most important)

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Investments. The role of household income as a source of investment financing (the most important)

Lecture notes, cheat sheets

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THE ROLE OF POPULATION INCOME AS A SOURCE OF INVESTMENT FINANCING

The traditional and proven source of loans is the savings of the population. The financial assets of the population, as part of the wealth of the family, are formed from savings - the unused part of the income of individuals or families. Being a deferred consumption, the accumulated amount of monetary assets forms the investment potential of the state, and its active attraction as investments in the economy is one of the main prerequisites for ensuring economic growth.

The income received by the population is used for final consumption (purchase of necessary goods and services, payment of mandatory payments, etc.) and savings. The savings of the population in Russia is traditionally carried out in the form of accumulation of cash (“on hand”) and bank investments, both of these forms being carried out both in national and foreign currencies. In addition, individuals have the opportunity to place free funds in securities of the state and private companies or make insurance premiums. Each type of savings has its advantages and disadvantages, is associated with risks of varying degrees and is associated with the receipt of a particular income. The task of an organization that hosts free funds of citizens is to obtain the maximum profit from the provision of services for the placement of funds and their possible use. In addition, the state must create such conditions under which it would be possible to use the savings of citizens as financial resources for lending to the economy.

Incomes of the population and their impact on the investment process can be considered in two aspects:

▪ as a source of investment financing, as investment development potential, which, by creating a certain reserve for economic growth, affects the level and quality of life of the population;

▪ as a potential opportunity for growth in consumer spending.

When it comes to the investment process, attention is paid to investments, their sources, but their connection with consumption, its dynamics, and the social development of society are not taken into account.

The growth of monetary incomes of the population contributes to the expansion of the growth of household demand for the purchase of goods and services, stimulating the development of domestic production. Therefore, such an aspect as the role of the financial assets of the population in the current turnover of their income is important. The incomes of the majority of the population are so low that they can only afford one set of living wages. Therefore, in the current situation, families more often used previously deferred savings than replenished them.

Author: Kuznetsova S.A.

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