流行病危机情况下影响家庭财务安全的因素

O. Zakharkin, R. Chukhno, N. Inshina
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引用次数: 0

摘要

今天,家庭是国家经济体系的基础,是投资资源的重要来源,是形成有效需求的关键因素,是经济主体成功运行和形成国家和地方预算的关键。与此同时,在大流行危机期间,由于失业率上升、收入下降和医疗费用增加,许多家庭陷入困境。因此,家庭的财务安全问题已变得特别重要,需要在家庭和整个国家一级立即解决。这项工作的目的是研究家庭财务安全的本质和影响家庭财务安全的因素,发展评估家庭财务安全水平的现代理论和方法方法,并找到确保家庭财务安全的有效途径。文章分析了近年来乌克兰家庭的总体情况,发现由于普遍的负面人口进程和部分领土的丧失,他们的数量正在逐渐减少。对最近关于家庭财务安全的研究和出版物的分析,使不同作者对这一概念及其内容的定义的方法系统化,并形成他们自己对其本质的看法。家庭在与其他经济实体的关系体系中的地位已经确定,这是家庭成功运作和发展的先决条件。根据这项研究,确定了在当前大流行病危机情况下影响家庭财务安全的外部和内部因素。对过去几年每户名义国内生产总值、存款利率比率和通货膨胀率的动态分析。根据领先的评级机构,乌克兰人口的生活质量进行了分析。还研究了影响家庭财务安全的内部因素,如教育水平、金融知识水平、资格、家庭经济活动水平、合理利用资源水平等。结果确定,所考虑的大多数因素都会损害家庭的财务安全,而这种情况在大流行期间会加剧。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
FACTORS OF IMPACT ON FINANCIAL SECURITY OF HOUSEHOLDS IN CONDITIONS OF PANDEMIC CRISIS
Today, households are the basis of the state's economic system, an important source of investment resources, a key factor in the formation of effective demand, which is the key to the successful operation of economic entities and the formation of state and local budgets. At the same time, during the pandemic crisis, many households found themselves in a difficult situation due to rising unemployment, declining incomes, and the emergence of additional medical expenses. Therefore, the financial security issues of households have become particularly relevant and require immediate solutions both at the level of the household and the state as a whole. The purpose of this work is to study the essence of financial security of the household and the factors that affect it, the development of modern theoretical and methodological approaches to assessing the level of financial security of households and finding effective ways to ensure it. The article analyzed the general situation of households in Ukraine in recent years and found that their number is gradually declining due to general negative demographic processes and the loss of part of the territory. The analysis of recent research and publications on the financial security of households has allowed to systematize the approaches of various authors to the definition of this concept and its content and form their own vision of its essence. The place of the household in the system of relations with other economic entities was determined, which is a prerequisite for its successful functioning and development. As a result of the study, external and internal factors influencing households' financial security in the current conditions of the pandemic crisis were identified. A dynamic analysis of the nominal GDP per household, the ratio of deposit rates, and inflation over the past few years. According to the leading rating agencies, the quality of life of the population of Ukraine was analyzed. The internal factors influencing the financial security of households were also studied, such as level of education, financial literacy, qualification, the level of economic activity of the household, the level of rational use of resources. As a result, it was determined that most of the factors considered hurt the financial security of households, which has increased in a pandemic.
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