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THE IDENTIFICATION OF MECHANISMS OF FORMATION AND USE OF FUNDS IN PROCESS OF PERSONAL FINANCIAL PLANNING

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Rasumovskaya E.
Czech Journal of Social Sciences, Business and Economics
|
2013
|
vol. Volume 2
|
issue 1
33-40
EN
In the current economic conditions aspects that characterize the structure and dynamics of household consumption expenditure gain special importance. This paper presents results of an empirical study of the structure of income distribution of the population. The data obtained in the study were analyzed using statistical methods and highlights the criteria which determine the direction of spending disposable income of households. The study revealed the ambiguity of the criteria of motivation for household financial decision making and to show the relationship of individual economic decisions within the personal financial planning and polemical aspects of the effectiveness of laissez faire policy and state regulation of the economy. Our result present consideration of the principles and levels of financial planning represented function that allows assessing the impact of factors that determine the magnitude and direction of consumer behavior and spending of disposable income households. It is concluded about non-optimal nature of the consumer behavior of the population, caused by asymmetric information, the elements of role models, stereotypes and other factors.
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