ФОРМИРОВАНИЕ ДОЛГОСРОЧНЫХ СБЕРЕЖЕНИЙ НАСЕЛЕНИЯ: СОВРЕМЕННЫЕ ПРОБЛЕМЫ И НАПРАВЛЕНИЯ РАЗВИТИЯ
Ключевые слова:
долгосрочные сбережения населения, инвестиции, США, Россия, уровень доходов, инфляция, фондовый рынок, финансовая грамотность
Аннотация
В условиях структурной перестройки российской экономики и санкционного давления особую актуальность приобретает изучение источников привлечения «длинных» денег в инвестиции с опорой на внутренние ресурсы. В статье рассматриваются современные проблемы привлечения долгосрочных сбережения населения и формирования эффективного механизма их трансформации в инвестиции. Обоснована необходимость адаптации лучших зарубежных практик к реалиям российской экономики. На основе сравнительного анализа данных национальной экономики и США были выявлены и проклассифицированы основные факторы, формирующие низкий уровень заинтересованности россиян в долгосрочных сбережениях. В статье предлагаются мероприятия, направленные на снижение негативных факторов и стимулирование заинтересованности в долгосрочных сбережениях, прежде всего, это - приведение инфляции к целевому показателю и удержание на этом уровне длительный период, продвижение финансовой грамотности населения, совершенствование инструментов долгосрочного сбережения, повышение доверия населения к государству и финансовым институтам, и развитие фондового рынка. Представленная работа носит комплексный характер, сочетающий как теоретический анализ, так и статистический и практический подход. Исследование может быть полезным для государственных структур и органов денежно-кредитного регулирования, разрабатывающих программы долгосрочных сбережений, а также для исследователей.
Литература
REFERENCES
1. On Approval of the Strategy for the Development of the Russian Federation's Financial Market until 2030: Order of the Government of the Russian Federation dated 29.12.2022 N 4355-r (as amended on 21.12.2023) [Electronic resource]. – URL: https://www.consultant.ru/ document/cons_doc
2. Information on funds attracted and placed by credit institutions [Electronic resource]. – URL: https:// cbr.ru/ banking_sector/statistics/
3. René Rebolho Comparative Analysis of Retail Investment Markets in Russia and the USA [Electronic resource]. – URL: https://dzen.ru/a/aQiBVgJM1nK7BSlP
4. Average salary in Russia by years: how it changed until 2025-2026 [Electronic resource]. – URL: https:// visasam.ru/russia/rabotavrf/sredniaya-zarplata-v-rossii-po-godam.html
5. Comparison of salaries, purchasing power, living standards, and security in Russia and the United States in 2025 [Electronic resource]. – URL: https://www. inter-nationalwealth.info/life-abroad/gde-luchshe-uroven-zhizni-v-rossii-ili-ssha/
6. Agafonova N.N. Opportunities for Attracting Financial Resources to the Economy through the Transformation of Household Savings into Investments. Scientific Notes of Young Researchers. 2019. N 5. P. 25-34
7. Measurement of Inflationary Expectations and Consumer Sentiments Based on Public Opinion Surveys. Commissioned by the Bank of Russia. Report on the Eleventh Survey. November 2025 [Electronic resource]. – URL:https://cbr.ru/Collection/Collection/File/59422/in FOM_25-11.pdf
8. Official website of the Federal State Statistics Service [Electronic resource]. – URL: rosstat.gov.ru
9. Inflation in the USA by year: 1970 – 2026 [Electronic resource]. – URL: http://global-finances.ru/inflyacziya-v-ssha-po-godam/
10. Comparative table of indicators of global stock markets (2015–2024) [Electronic resource]. – URL: https://xn----dtbhaacat8bfloi8h.xn--p1ai/stock-market-of-Russia-of-the-world-IPO-Russian-securities-market-ipo-2
11. Comparative profitability. Historical profitability of stock indices 2000–2025. [Electronic resource]. – URL: https://ru.research.stockfollowing.com/performance
12. Smolentsev K.Yu. Protection of Investor Rights: Foreign Experience [Electronic resource]. – URL: https://www.sovremennoepravo.ru/
13. On the Protection of the Rights and Legitimate Interests of Investors in the Securities Market: Federal Law N 46-FZ of March 5, 1999 (latest edition) [Electronic resource]. – URL: https://www.consultant.ru/document/ consdoc_LAW_22219/
14. Kukharchuk G. "A Spoonful of Bitterness": How Violations of Investors' Rights Hinder Stock Market Growth [Electronic resource]. – URL: https://www.rbc.ru/
15. On the National Development Goals of the Russian Federation for the period up to 2030 and for the period up to 2036: Decree of the President of the Russian Federation dated May 7, 2024, N 309 [Electronic resource]. – URL https://www.consultant.ru/document/cons_doc_LAW_475991/
16. The State Duma adopted a law on insurance of funds on the IIS from the bankruptcy of the broker [Electronic resource]. – URL https://www.rbc.ru/quote/news/article/
687635fe9a7947784165c092
17. Kuzina O.E., Moiseeva D.V. Is there a relationship between the savings behavior of the population, trust in financial institutions and attitudes towards savings in modern Russia? Economic Sociology. May 2024. Vol. 25. N 3. P. 51-100. doi: 10.17323/1726-3247-2024-3-51-100
18. Mishin M. The Role of Funds: Where to Find Money for the Economy [Electronic resource]. – URL https://www.rbc.ru/industries/news/6822f7409a79473419df31a2
19. Bibikova E.A., Kurnikova I.V., Savin V.E., Kurnikova E.V. Methodological Approach to Assessing the Financial Literacy of the Population of the Region. Modern high technologies. Regional application. 2025. N 1(81). P. 19-27 DOI:10.6060/ snt.20258101.0002
20. 80% of Russians want to improve their financial literacy [Electronic resource]. – URL: https://companies.rbc.ru/ news/WlsLFhiKbD/80-rossiyan-hotyat-povyisit-svoyu
21. Gonova O.V. Diagnostics of the bankruptcy risk of an enterprise based on financial modeling. Modern high technologies. Regional application. 2023. N 3(75). Р. 13-19. DOI 10.6060/snt.20237503.0002.
22. Pyatnitsky D.V. The Money Supply Conversion Multiplier as a New Tool in Developing the Concept of the Banking Multiplier. Modern high technologies. Regional application. 2025. N 1 (81). P. 41–53.
23. Ramazanov D.I. On the Relationship Between Economic Freedom and Inflation. Modern high technologies. Regional application. 2024. N 1 (77). P. 18–22.
24. Shekshueva S.V., Abou Sh.Kh. Comparative analysis and evaluation of the quality of mobile banks. Modern high technologies. Regional application. 2025. N 2(82). P. 42-51. DOI 10.6060/snt.20258202.0006. EDN SFJXKS.
25. Kournikova I.V., Savin V.E., Adulova E.A. Methodological problems of assessing the competitiveness of commercial banks. Modern high technology. Regional application. 2024. N 2(78). P. 28-34.
26. Mirolyubova A.A., Ksenofontova O.L., Voroshin D.A. Experience in intellectual analysis and forecasting of the stock market. Ivecofin. 2024. N 4(62). Р. 55-63. DOI 10.6060/ ivecofin.2024624.702.
27. Mirolyubova A.A., Xiaotong Ya., Ksenofontova O.L. Econometric analysis of the relationship between China’s GNP and macroeconomic indicators. Ivecofin. 2024. N 1(59). C. 61-69. DOI 10.6060/ ivecofin. 2024591.675. EDN TTLWVG.
28. Shekshueva S.V., Tatyanin G.V. Introduction of chatbots with artificial intelligence in remote banking services as a way to increase the competitiveness of a commercial bank. Modern high technologies. Regional application. 2023. N 3(75). P. 47-51. DOI 10.6060/snt. 20237503.0006. EDN ELHCJQ.
1. On Approval of the Strategy for the Development of the Russian Federation's Financial Market until 2030: Order of the Government of the Russian Federation dated 29.12.2022 N 4355-r (as amended on 21.12.2023) [Electronic resource]. – URL: https://www.consultant.ru/ document/cons_doc
2. Information on funds attracted and placed by credit institutions [Electronic resource]. – URL: https:// cbr.ru/ banking_sector/statistics/
3. René Rebolho Comparative Analysis of Retail Investment Markets in Russia and the USA [Electronic resource]. – URL: https://dzen.ru/a/aQiBVgJM1nK7BSlP
4. Average salary in Russia by years: how it changed until 2025-2026 [Electronic resource]. – URL: https:// visasam.ru/russia/rabotavrf/sredniaya-zarplata-v-rossii-po-godam.html
5. Comparison of salaries, purchasing power, living standards, and security in Russia and the United States in 2025 [Electronic resource]. – URL: https://www. inter-nationalwealth.info/life-abroad/gde-luchshe-uroven-zhizni-v-rossii-ili-ssha/
6. Agafonova N.N. Opportunities for Attracting Financial Resources to the Economy through the Transformation of Household Savings into Investments. Scientific Notes of Young Researchers. 2019. N 5. P. 25-34
7. Measurement of Inflationary Expectations and Consumer Sentiments Based on Public Opinion Surveys. Commissioned by the Bank of Russia. Report on the Eleventh Survey. November 2025 [Electronic resource]. – URL:https://cbr.ru/Collection/Collection/File/59422/in FOM_25-11.pdf
8. Official website of the Federal State Statistics Service [Electronic resource]. – URL: rosstat.gov.ru
9. Inflation in the USA by year: 1970 – 2026 [Electronic resource]. – URL: http://global-finances.ru/inflyacziya-v-ssha-po-godam/
10. Comparative table of indicators of global stock markets (2015–2024) [Electronic resource]. – URL: https://xn----dtbhaacat8bfloi8h.xn--p1ai/stock-market-of-Russia-of-the-world-IPO-Russian-securities-market-ipo-2
11. Comparative profitability. Historical profitability of stock indices 2000–2025. [Electronic resource]. – URL: https://ru.research.stockfollowing.com/performance
12. Smolentsev K.Yu. Protection of Investor Rights: Foreign Experience [Electronic resource]. – URL: https://www.sovremennoepravo.ru/
13. On the Protection of the Rights and Legitimate Interests of Investors in the Securities Market: Federal Law N 46-FZ of March 5, 1999 (latest edition) [Electronic resource]. – URL: https://www.consultant.ru/document/ consdoc_LAW_22219/
14. Kukharchuk G. "A Spoonful of Bitterness": How Violations of Investors' Rights Hinder Stock Market Growth [Electronic resource]. – URL: https://www.rbc.ru/
15. On the National Development Goals of the Russian Federation for the period up to 2030 and for the period up to 2036: Decree of the President of the Russian Federation dated May 7, 2024, N 309 [Electronic resource]. – URL https://www.consultant.ru/document/cons_doc_LAW_475991/
16. The State Duma adopted a law on insurance of funds on the IIS from the bankruptcy of the broker [Electronic resource]. – URL https://www.rbc.ru/quote/news/article/
687635fe9a7947784165c092
17. Kuzina O.E., Moiseeva D.V. Is there a relationship between the savings behavior of the population, trust in financial institutions and attitudes towards savings in modern Russia? Economic Sociology. May 2024. Vol. 25. N 3. P. 51-100. doi: 10.17323/1726-3247-2024-3-51-100
18. Mishin M. The Role of Funds: Where to Find Money for the Economy [Electronic resource]. – URL https://www.rbc.ru/industries/news/6822f7409a79473419df31a2
19. Bibikova E.A., Kurnikova I.V., Savin V.E., Kurnikova E.V. Methodological Approach to Assessing the Financial Literacy of the Population of the Region. Modern high technologies. Regional application. 2025. N 1(81). P. 19-27 DOI:10.6060/ snt.20258101.0002
20. 80% of Russians want to improve their financial literacy [Electronic resource]. – URL: https://companies.rbc.ru/ news/WlsLFhiKbD/80-rossiyan-hotyat-povyisit-svoyu
21. Gonova O.V. Diagnostics of the bankruptcy risk of an enterprise based on financial modeling. Modern high technologies. Regional application. 2023. N 3(75). Р. 13-19. DOI 10.6060/snt.20237503.0002.
22. Pyatnitsky D.V. The Money Supply Conversion Multiplier as a New Tool in Developing the Concept of the Banking Multiplier. Modern high technologies. Regional application. 2025. N 1 (81). P. 41–53.
23. Ramazanov D.I. On the Relationship Between Economic Freedom and Inflation. Modern high technologies. Regional application. 2024. N 1 (77). P. 18–22.
24. Shekshueva S.V., Abou Sh.Kh. Comparative analysis and evaluation of the quality of mobile banks. Modern high technologies. Regional application. 2025. N 2(82). P. 42-51. DOI 10.6060/snt.20258202.0006. EDN SFJXKS.
25. Kournikova I.V., Savin V.E., Adulova E.A. Methodological problems of assessing the competitiveness of commercial banks. Modern high technology. Regional application. 2024. N 2(78). P. 28-34.
26. Mirolyubova A.A., Ksenofontova O.L., Voroshin D.A. Experience in intellectual analysis and forecasting of the stock market. Ivecofin. 2024. N 4(62). Р. 55-63. DOI 10.6060/ ivecofin.2024624.702.
27. Mirolyubova A.A., Xiaotong Ya., Ksenofontova O.L. Econometric analysis of the relationship between China’s GNP and macroeconomic indicators. Ivecofin. 2024. N 1(59). C. 61-69. DOI 10.6060/ ivecofin. 2024591.675. EDN TTLWVG.
28. Shekshueva S.V., Tatyanin G.V. Introduction of chatbots with artificial intelligence in remote banking services as a way to increase the competitiveness of a commercial bank. Modern high technologies. Regional application. 2023. N 3(75). P. 47-51. DOI 10.6060/snt. 20237503.0006. EDN ELHCJQ.
Опубликован
2026-05-27
Как цитировать
Юрьевна, С. (2026). ФОРМИРОВАНИЕ ДОЛГОСРОЧНЫХ СБЕРЕЖЕНИЙ НАСЕЛЕНИЯ: СОВРЕМЕННЫЕ ПРОБЛЕМЫ И НАПРАВЛЕНИЯ РАЗВИТИЯ. Современные наукоёмкие технологии. Региональное приложение, 86(2), 52-58. извлечено от https://snt-isuct.ru/article/view/7307
Выпуск
Раздел
Экономические науки
