Glukhov V.V., Ostanin V.A., Rozhkov Yu.V. Economic Nature of Monetary Funds of Households

DOI: http://dx.doi.org/10.15688/jvolsu3.2015.4.4

Vladimir Vladimirovich Glukhov
Candidate of Economic Sciences, Associate Professor, Department of Finance and Credit,
Far Eastern Federal University
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Sukhanova St., 8, 690950 Vladivostok, Russian Federation
Vladimir Anatolyevich Ostanin
Doctor of Economic Sciences, Professor,
Department of Finance and Credit,
Far Eastern Federal University
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Sukhanova St., 8, 690950 Vladivostok, Russian Federation
Yuriy Vladimirovich Rozhkov
Doctor of Economics Sciences, Professor,
Department of Banking,
Khabarovsk State Academy of Economics and Law
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Tikhookeanskaya St., 134, 680042 Khabarovsk, Russian Federation

Abstract. In a market economy, household is characterized by the situation in which its members become owners of their tangible and intangible assets or are only declared to be them. Many provisions of the macroeconomy could change significantly if the issues of household and family finances were paid as much attention as economic problems of the state and entities. Finance households are an economic basis for the state and for business entities of different ownership forms, because they are managed by people who are part of families representing the interests of certain individuals. The issues of formation and distribution of Russian households’ intra-cash assets, including shadow ones, are now one of the most topical issues, not only in theory but also in practice of economic science. And at the same time these issues remain virtually unexplored. Social risk of intra-family shadow funds consists in the fact that the models of economic behavior acquired by the individual in the household are transferred to an external social field, and implemented according to the occupied power status. Shadow monetary funds created in the household represent part of the money which is derived from the family budget, and they imply the existence of latent side of financial relations among its members. The purpose of this article is studying the mеchanisms of decision-making on the establishment of both collective and individual monetary funds within the family budget, including the shadow funds (so-called “zanachkа”) of individuals, not accounted for in the family budget.
Key words: monetary funds of households, economic security of a family, finances of population, family budget, shadow funds.

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