Namų ūkių finansinės elgsenos pokyčiai ekonominės krizės laikotarpiu Lietuvoje

LTNamų ūkių finansai yra svarbi šalies finansų sistemos dalis, todėl yra dažnai tyrinėjami. Atliktuose tyrimuose daugiausiai konstatuojama esama padėtis, tačiau neanalizuojami namų ūkių finansinės elgsenos ypatumai pastarųjų metų finansų krizės poveikyje. Šio straipsnio tikslas - ištirti namų ūkių finansinės elgsenos pokyčius ekonominės recesijos laikotarpyje. Atlikta analizė parodė, kad nepaisant tam tikrų teigiamų pokyčių, asmeninių finansų valdymo kultūra Lietuvoje vis dar primityvi ir akivaizdžiai jaučiamas elementarių asmeninių finansų valdymo žinių trūkumas, tad gyventojų švietimui šioje srityje reikėtų skirti gerokai didesnį dėmesį. [Iš leidinio]Reikšminiai žodžiai: Asmeniniai finansai; Asmeninių finansų valdymas; Išlaidos; Pajamos; Taupymo; Taupymo ypatumai; Ypatumai; Income; Personal finance; Personal finance management; Saving; Spending; Spending saving.

ENHouseholds finance, scientific point of view, is no less interesting for the company's finances, and attract very much attention of scientists. In addition to academics, personal finance and various institutions interested in carrying out surveys in relation to households. However, studies conducted mainly states the current situation, but the plot of household financial behavior features of recent financial crisis. Therefore, this article aims - to investigate Lithuanian household financial behavior changes in the economic recession. The object of research - personal finances in the context of the household. Research methods: primary and secondary data analysis, theoretical materials and summary of the systematic methods of graphic representation of data in computer programs, aid comparative analysis of the questionnaire, descriptive statistics. The first paragraph summarizes the analysis of household statistics. Examine how changes in a time of crisis household income, as this affect the use of cost-saving and what are the characteristics of recent times. Decrease in revenue during a recession, households began to responsibly manage the costs and at the same time revealed significant savings reserves. However, severe restriction of the use of positive close on household finances, while decreasing the overall use and have a negative impact on the economy and especially the public sector finances. The second part investigated Lithuanian household budget management trends in the economic crisis. In order to identify patterns of households in managing personal finances and the main factors in financial decisions, and compare how the habits of another financial crisis, repeated two times was performed sociological research and process the results.It is noted that the relevance of the problem remains the same: balancing the budget in spite of the revenue size of the irrational behavior of free-cash expense, lack of knowledge about personal finance management level. In addition, a significant increases in distrust of the population in general and financial institution the country's financial system. However, noticeable and positive change - the study of self-reported views about their personal financial management skills, offering greater self-confidence. Thus, the analysis of the various responses of the respondents still felt in the basic personal financial management, lack of knowledge, it is therefore proposed to draw attention to the financial systems market segment, and a variety of educational means to improve financial literacy. [From the publication]

• Vadyba / Management
• Ekonomika / Economics