Стан формування доходів домогосподарств у сучасних умовах

Abstract

У статті проаналізовано стан доходів українців та проблеми у цій сфері. Розкрито особливості та перспективи розвитку системи формування доходів населення в Україні. Зазначено, що доходи та видатки домогосподаpств знаходяться у неpозpивнiй єдностi. Домогосподаpства витpачають на тi товаpи, що є їм доступними та, у свою чеpгу, задоволення потpеб вимагає досягнення певного piвня доходiв вiд членiв домогосподаpств. Визначено основні фактори, які суттєво впливають на дохідну поведінку домогосподарств, та встановлено проблемні аспекти формування доходів домогосподарств. Окреслено першочергові заходи з метою покращення ситуації у даній сфері фінансових відносин. Ключові слова: домогосподарство, доходи, дохідна поведінка, заробітна плата, інфляція, реальний дохід, соціальні трансферти.

In the article condition of Ukrainian’s income and the problems in this area have been analyzed. The author determined that state policy in the social and fiscal sectors, taxation, employment and pension provision sector influence on the structure and amount of household income. Features and development prospects of the Ukrainian income formation system have been described in this paper. It has been indicated that households income and expenses constantly interrelated. Households buy available goods for the satisfaction of their needs, which in turn requires achieving a certain level of household members’ income. The main factors that significantly affect the household income behavior and the problematic aspects of household income generation have been identified. The household income analysis have been pointed out the existence of problematic aspects of their formation, which determined the necessity of: - development and support of small and family business since they are the basis of the middle-class formation and the presence of which is one of the conditions for the future development of the national economy and for an increase in the material level of citizens; - awareness-raising among the population of the country about possible ways and investment tools in order to obtain an additional income; - establishment of indicators of social standards that correspond to the real needs of households living in order to remove the need for households additional expenses to the satisfaction of essential needs of their participants, which accordingly reduces the household's potential in the human capital development. To improve the situation in this financial area priority measures have been identified. It has been proved that the realization of the entrepreneurial approach by household participants in the direction of receiving profit from using their own ability to work is one of the priority conditions for the possibility of household participation in economic relations. Keywords: household, income, salary, inflation, real income, social transfers.