Personal savings as a source of domestic economy restructuring process financing

The article is devoted to the issues of formation and investment of personal savings. There are defined the factors affecting the propensity to make savings and come to a decisions on the forms of savings accumulation. The article describes the processes of formation of the Russian market of personal savings. It is established that the dependence between economic growth and the level of total savings is true for the countries which have the mechanisms for the formation and effective use of the income saved part of economic entities.