| Issue |
SHS Web Conf.
Volume 172, 2023
International Scientific and Practical Conference on Social Sciences and Humanities: Scientific Challenges of the Development of Modern Society (SHCMS 2023)
|
|
|---|---|---|
| Article Number | 02050 | |
| Number of page(s) | 6 | |
| Section | Institutional Economics: History, Problems and Prospects | |
| DOI | https://doi.org/10.1051/shsconf/202317202050 | |
| Published online | 12 July 2023 | |
Financial Reserves of Households as a Factor in the Sustainable Development of Territories
Volgograd State University, 400062 Volgograd, Russian Federation
* Corresponding author: irizepovams@volsu.ru
Household finance is a new sub-branch of financial science, so the terminology has not yet been formed. Least developed approaches to understanding the financial reserves of households. The article presents the author’s understanding of the financial reserves of households, proposes their classification into perfect and imperfect reserves, discloses their regulatory, risk, accumulation and investment functions, assesses the possibility of their formation by Russian households in modern economic conditions. The scientific novelty of the study lies in the identification of the specific mixed nature of the financial reserves of the household as part of income and type of expense. The basis for further scientific and practical research of the financial reserves of households has been laid.
© The Authors, published by EDP Sciences, 2023
This is an Open Access article distributed under the terms of the Creative Commons Attribution License 4.0, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
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