FEATURES OF FORMATION OF HOUSEHOLDS FINANCIAL RESOURCES IN MODERN CONDITIONS

Анотація

Introduction. The successful operation of any economic entity is largely determined by the financial resources at its disposal. The household sector is an integral part of the national economy, where financial resources are formed to ensure their own livelihoods, there are distribution processes related to the filling of budgets and state trust funds, mobilize domestic investment for the national economy. The changes taking place in the socio-economic processes in Ukraine necessitate the intensification of scientific efforts aimed at studying the peculiarities of the formation of financial resources of households in modern conditions. The purpose of the article is to explore approaches to defining the essence of the concept of “financial resources of households”, to identify the features of their formation in modern conditions and to suggest ways to optimize them. Methods. A system of general scientific and special research methods was used: analysis, synthesis and generalization – in the study of literary and statistical sources; visualization method – for visual presentation of the processed data; abstract-logical method - to generalize the presented material and formulate conclusions. Results. The concept of financial resources of households is studied. The main approaches to the interpretation of household financial resources are considered. It is substantiated that disclosing the essence of financial resources of households it is expedient to take into account: sources of formation, right of use, purpose of use. The own definition of the studied concept is offered. The dynamics of financial resources of households in terms of sources of formation is analyzed. It was found that the source of financial resources of domestic households are both their own income and borrowed funds. The main sources of household income are wages, social benefits and transfers. The dynamics of savings of Ukrainian households is considered. Structural analysis of loans provided by banking institutions revealed that domestic households are characterized by borrowing funds mainly in the form of consumer loans to ensure the viability of the household, improving cultural and living conditions, purchase of durable goods.

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