Sustainability of Trends in Credit and savings behavior of the Russian Population

In the context of artificial restrictions on Russia’s access to world financial markets, the importance of internal factors for ensuring the dynamic development of the national economy, including temporarily free funds of the population placed in bank deposits, is significantly increasing. In this regard, it is important to identify how stable the trends in credit and savings behavior of the Russian population are, which determines the relevance of the research topic. The purpose of the paper is to identify trends in the credit and savings behavior of the Russian population in order to formalize the explanatory factors for its assessment. In the course of the work, methods of literature analysis, abstraction and aggregation, graphical comparison, index calculation, correlation analysis were used. The results of the study in terms of the development of the theory of financial behavior of the population consist of the development of an approach to identifying long-term behavioral trends based on information on the volume of debt on loans and deposits of the population for the period 2011-2024. Practical results are: periodization of active and passive behavior of depositors and borrowers; identification of phases of changes in savings and credit behavior of the population; calculation of limit boundaries of corridors within which they were formed. An empirical study based on the developed theoretical approach made it possible to draw conclusions about the presence of stable trends in the savings and credit behavior of the Russian population during this period, which mainly demonstrates a long-term active growth in the volume of deposits and debt on loans, as well as the relative narrowness of the corridors within which both indicators developed. The population of Russia adheres to an adaptive type of both types of behavior. At the same time, the stability of savings behavior is more pronounced than credit behavior, which can be explained by the greater rigidity of the population to the factor of experiencing the status of the depositor than to experiencing the status of the debtor.