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Przegląd teorii finansów gospodarstw domowych w kontekście współczesnych uwarunkowań polityki publiczne

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  • Kawiński, Marcin

    (Kolegium Ekonomiczno-Społeczne, Szkoła Główna Handlowa w Warszawie)

Abstract

Celem artykułu jest syntetyczna prezentacja teorii finansów gospodarstw domowych w obszarze ekonomii, socjologii oraz psychologii. Przegląd teorii, niezależnie od dziedziny nauki, pokazuje na postępujący wzrost złożoności oraz indywidualizacji finansów gospodarstw domowych. Jednocześnie rozszerzeniu uległ zakres badań (o aspekty socjologiczne i psychologiczne decyzji podejmowanych przez i w ramach gospodarstwa domowego), co przyczynia się znacząco do lepszego odwzorowania rzeczywistości w teoriach ekonomicznych. Rozwój koncepcji dotyczących funkcjonowania gospodarstw domowych wskazuje wyraźnie na rosnące znaczenie ich finansów. Nie oznacza to bynajmniej zmniejszenia roli polityki publicznej w zakresie zapewnienia bezpieczeństwa ekonomicznego gospodarstw domowych. Wręcz przeciwnie, rosnąca finansjalizacja budżetów gospodarstw domowych stawia przed polityką publiczną nowe wyzwania. Stan budżetów gospodarstw domowych coraz silniej oddziałuje na ogólną sytuację gospodarczą, a dla osiągnięcia założonego poziomu skuteczności wymagana jest większa precyzja w konstrukcji rozwiązań publicznych.

Suggested Citation

  • Kawiński, Marcin, 2015. "Przegląd teorii finansów gospodarstw domowych w kontekście współczesnych uwarunkowań polityki publiczne," Studia z Polityki Publicznej / Public Policy Studies, Warsaw School of Economics, vol. 2(1), pages 1-19, February.
    • Handle: RePEc:ris:spppps:0181
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    References listed on IDEAS

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    More about this item

    Keywords

    finanse gospodarstw domowych; polityka publiczna; cykle życia;
    All these keywords.

    JEL classification:

    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • H31 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - Household

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