The Russians cease to make savings and trust banks

ALL PHOTOS

Almost 70% of Russians do not saving, and those who set aside funds, prefer to do it in cash and not in Bank

Moscow-Live.ru / Nicholas Budziszewski

According to the center for three years has increased the number of Russians who believe that now is a good time to make savings (11% in 2016 23% in 2019). Every fifth Respondent (24%) said that the time for setting aside money now inappropriate (35% in 2016, 40% in 2017)

Moscow-Live.ru / Akishin Vyacheslav

The amount that the Russians believe that savings decreased over the past six years: in 2013, the savings considered the amount of 200 thousand rubles, and in 2019 — 101 thousand rubles. Among those who have savings of Russians over the two years increased the number of those who have savings has increased (23% in 2017, 35% — in 2019)

Moscow-Live.ru / Nicholas Budziszewski

Decreased the number of those who believe that better to keep savings in ruble-denominated Bank accounts (60% in 2015, 46% in 2019). At the same time increased the number of Russians who believe that the money in the Bank is it better to keep on ruble and foreign currency accounts (22% in 2015, 28% in 2019)

Moscow-Live.ru / Mikhail Tikhonov

A growing number of Russians who believe that it is better to keep savings in cash than in a Bank account: in 2015 this option was chosen by 25% of Russians, in 2017 — 31%, in 2019 — 32%. The proportion of those who would give preference to Bank deposits for savings, unstable and for the last four years has ranged from 32% to 39% (32% in 2015, 39% in 2017 and 32% in 2019)

Moscow-Live.ru / Akishin Vyacheslav

Almost 70% of Russians do not saving, and those who set aside funds, prefer to do it in cash, not in Bank. This is evidenced by the studies of saving behavior of citizens published on the website of the analytical center NAFI.
According to the center for three years has increased the number of Russians who believe that now is a good time to make savings (11% in 2016 23% in 2019). Every fifth Respondent (24%) said that the time for setting aside money now inappropriate (35% in 2016, 40% in 2017).

A third of Russians (31%) currently have savings, compared with the year 2016, this share grew by 4 percentage points the amount that the Russians believe that savings decreased over the past six years: in 2013, the savings considered the amount of 200 thousand rubles, and in 2019 — 101 thousand rubles. Among those who have savings of Russians over the two years increased the number of those who have savings has increased (23% in 2017, 35% — in 2019).

Decreased the number of those who believe that better to keep savings in ruble-denominated Bank accounts (60% in 2015, 46% in 2019). At the same time increased the number of Russians who believe that the money in the Bank is it better to keep on ruble and foreign currency accounts (22% in 2015, 28% in 2019).

A growing number of Russians who believe that it is better to keep savings in cash than in a Bank account: in 2015 this option was chosen by 25% of Russians, in 2017 — 31%, in 2019 — 32%. The proportion of those who would give preference to Bank deposits for savings, unstable and for the last four years has ranged from 32% to 39% (32% in 2015, 39% in 2017 and 32% in 2019).

69% of Russians do not make savings. Among them, half (51%) said that next year they will not be able to save money. Every fifth of not having savings (21%) felt that the possibility to save money in the near future for him, only reduced. 17%, in contrast, noted that their chances to accumulate a certain amount in the next 12 months will increase, which means they may begin to make savings.

As explained by the project Manager in the field of financial research of the Analytical center NAFI Vsevolod Khomenko, the prevalence of such forms as ruble savings in cash is dictated by a number of factors, including the lack of long-term financial planning, lack of skills in dealing with savings instruments and investments, as well as the complexity of these instruments and the constrained financial situation.

In may of this year, «Levada center» found that savings can afford mainly families having monthly income more than 55 thousand rubles. And families with incomes of 20-30 thousand rubles, barely enough for food. The average size of savings of Russian families in April 2019 was less than 20 thousand rubles for low-income families and about 175 thousand roubles for high-yielding groups.

Recently Rosstat has reported «explosive growth» in real income by 3% in the third quarter of 2019, although income fell four years in a row in 2014. Other experts say the marked increase is very slim, as in the assessment of real incomes there are many unobserved components, and the numbers of the real income of entrepreneurs is unknown. Moreover, the real incomes of Russians can not grow in conditions of relatively high taxes paid by including poor people, and lack of tax benefits.

Добавить комментарий

Ваш e-mail не будет опубликован. Обязательные поля помечены *