Influence of the average per capita income on credit and savings behavior of the population in Russia

The successful functioning of the national economy is largely determined by the stability of its banking system. The article is aimed at studying the features of credit and savings behavior of the population based on the reporting data of the Central Bank of Russia and Rosstat for the period 01.02.2011 - 01.08.2020. It is proposed to characterize the features of such behavior based on an analysis of the relationship between the volumes of deposit and credit transactions of the population. The theoretical part of the article considers various aspects of determining the behavioral approach to savings: bank contribution, as a form of realization of investments; conservation as a form of reaction to instability; appeal to the bank as part of the fight against the economic crisis, etc. In the practical part of the study, using comparison and graphical analysis methods, 3 periods of transformation of these types of population behavior were identified based on a change in the relationship between the volume of debt on loans and the volume of deposits. Absolute parameters of marginal sizes of fluctuations of indicators of deposit and credit transactions for use in prognostic purposes were evaluated. The value of the deposit volume shift was calculated, which ensured a reduction in the size of the negative balance of deposit and loan operations in the domestic banking system during the crisis of 2015-2016, which contributed to the stability of this system. The analysis of the compared indicators showed the comparability of the dynamics of the change in the ratio of deposits and debt on loans with the dynamics of the average per capita monetary income of the population. The study revealed a stable increase in the volume of deposits of the population in most monthly indicators, which allows us to expect the stability of the banking system of Russia in terms of a balanced subsystem of deposit and credit operations.