Statistical study of savings of the Russian population

The article defines the importance of savings of the population as the most important component of improving the standard of living and quality of life, as well as conditions for economic development. The main sources of savings data have been identified. The process of savings formation in the difficult conditions of the coronavirus pandemic, high inflation and global Western sanctions is considered. The analysis of the dynamics of gross savings of the “Households” sector is carried out on the basis of data from the system of national accounts. The assessment of the state of the level of savings according to the balance of income and expenditure of the population is given. The analysis of the dynamics and structure of savings of the population of the Russian Federation in recent years has been carried out. The main trends in the growth of savings and structural shifts in the directions of their use are determined. As determining factors, a decrease (increase) in expenses in the total amount of income of the population and individual households, an increase (decrease) in accounts payable were noted. The main directions of the use of free monetary resources of the population are determined. The measures of state policy in the field of improving financial literacy of the population, the development of tools that increase the investment activity of citizens are considered. The introduction of individual investment accounts for long-term investment is considered as a tool to stimulate investment activity of citizens. Their dynamics and structure were evaluated.