Population Finances: Macro-Meso-Level Approach to the Analysis of their Formation and Use

Abstract

In our opinion, not enough attention is paid to the finances of the population in economic research and educational literature, and when considering financial relations, a local approach prevails (inflation, budget relations, lending, banking, etc.) and often in isolation from the real sector of the economy. The article considers population Finance from the position of macro-meso-level approach as an important area of the financial system associated with the reproduction and satisfaction of material and socio-cultural needs of members of society. It justifies the place of the population’s finances in the financial system of Russia, analyzes the formation of monetary income and its use at the macro-meso level, reveals the dependence of the structure of consumption and savings of the population on the level of its income, differentiatedbysocialgroups.