BUSINESS INFORM №11-2016

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Section: Finance, Money Circulation and Credit
UDC 330.567.2:364-14
Kornivska V. О.
The Transformation of the Financial Conduct of Households (p. 292 - 300)
The article generalizes factors of the contemporary transformations of the financial conduct of households, the institutional impact of the State policy on these processes has been displayed. The credit activity of the Ukrainian population in the context of establishing the financially oriented patterns of conduct has been characterized. A characterization of impact of the debt crisis on the financial conduct of households on the example of the United States has been provided. The processes of transformation of the financial culture have been substantiated in the context of reformatting the underlying financial market institutions, in particular mortgage. It is shown that in the basis of mortgage lies the base institution of trust, which contains the personal responsibility as its constituent. It is been determined that inclusion of mortgage into the securitization schemes has led to diversification of responsibility down to its gradual leveling in the securitization mechanism. It has been proved that the pre-crisis mechanisms for implementation of mortgage are contrary to the cultural and institutional conditions of its formation.
Keywords: financial conduct, financial culture, transformations, crediting the households
Fig.: 2. Tabl.: 2. Bibl.: 20.

Kornivska Valeriia О. – Doctor of Sciences (Economics), Senior Research Fellow, Department of Economic Theory, Institute for Economics and Forecasting of NAS of Ukraine (26 Panasa Myrnoho Str., Kyiv, 01011, Ukraine)
Email: [email protected]

Article is written in Ukrainian
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Reference to this article:
Kornivska, Valeriia О. (2016) “The Transformation of the Financial Conduct of Households.” Business Inform 11:292–300.

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