СВЯЗЬ СЕКТОРА ДОМОХОЗЯЙСТВ С ЭКОНОМИЧЕСКИМИ СОБЫТИЯМИ И ПРОЦЕССАМИ И ЕГО ВЛИЯНИЕ НА СОЦИАЛЬНО-ЭКОНОМИЧЕСКОЕ РАЗВИТИЕ СТРАНЫ

Аннотация

This article examines the relationship of the household sector with economic events and processes, as well as its influence on the socio-economic development of the country. It reviews key theories, such as the life cycle theory (Modigliani) and the permanent income hypothesis (Friedman), that explain the saving and consumption behavior of households. It analyzes factors influencing the saving rate, including demographic changes, economic growth, income uncertainty, and interest rates. Particular attention is paid to the role of pension savings, inheritance, and public policy in shaping household financial decisions. The article also touches upon the functioning of the stock market and its interaction with households, as well as the impact of technological and social changes on the saving rate. It concludes by emphasizing the importance of taking into account the historical context and contemporary economic conditions in understanding the dynamics of saving and its role in economic development. Keywords: households, savings, life cycle theory, permanent income, retirement savings, economic growth, stock market, public policy.