Types of Savings and Credit Behavior
Keywords:
financial behavior, credits, credit organizations, lending, investmentAbstract
The article focuses on the most typical forms of financial behavior of people other than investment such as bank savings and consumer credit. One year before crisis there were 30% of those who were keeping their funds on deposits of Russian Sberbank, 30% of those who were using commodity loans and 40% did not save up money and did not take loans. At the same time, for many Russians the lending is new and unusual tool: they do not trust credit organizations, do not believe in the future and are frightened to live with debt. At the same time, the living conditions for majority of Russians could be improved by improving home loan system.
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